NASDAQ · STOCK
BNY Mellon
$156.46
52W $98.40 – $163.77
64/100
$107.30B
18.1
1.06
Is BNY Bullish or Bearish?
Bullish.
Innellis AI committee rates BNY Mellon (BNY) Buy with a composite score of 64/100
, based on 6 analysts with 67% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +10.91 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -9.09 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is eps growing 31.7% yoy. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- Price-to-book of 0.0x is a discount to asset value — Value
- EPS growing 31.7% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 79 -- overbought on the larger timeframe too — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
64/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 14%
of 141 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ Price-to-book of 0.0x is a discount to asset value
Growth Analyst
bullish
82
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ EPS growing 31.7% YoY
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 26 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 65.3 to 64.1.
- Conviction changed from high to moderate.
- Committee agreement fell notably from 83% to 67%.
- New bearish signals: 3 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
51.9
Neutral
MACD Histogram
-0.771
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.54
Inside Bands
Price vs Moving Averages
EMA 9
$156.47
Below
EMA 21
$154.63
Above
EMA 50
$148.52
Above
EMA 200
$128.69
Above
Fundamental Analysis
Valuation
89
Growth
81
Profitability
0
Financial Health
93
Cash Flow
37
Valuation
P/E Ratio
18.1×
P/B Ratio
2.42×
PEG Ratio
1.16
Dividend Yield
0.01%
52W High
$163.77
52W Low
$98.40
Quality & Growth
ROE
12.5%
ROA
1.2%
Gross Margin
59.1%
Operating Margin
22.2%
Revenue Growth YoY
—
Debt / Equity
0.79
AI Fundamental Assessment
P/E ratio of 18.1 (inexpensive relative to a 15-40x range); Price-to-book of 2.4x; PEG ratio of 1.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.6%; Current ratio of 40.62 (healthy short-term liquidity); Debt-to-equity of 0.79; Free cash flow margin of 0.8% (thin cash generation); Free cash flow per share is positive (3.90); Most recent quarter beat estimates by 9.6%; 4 consecutive earnings beats; EPS growth roughly steady (+8.2% -> +9.3% QoQ); Analyst estimates rising over recent quarters
Get the Full BNY Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →