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/BK
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Bank of New York Mellon Corp

Bank of New York Mellon Corp

BK
$157.13USD↑+0.00%+0.00 today

MARKET CAP

94.1B

P/E (TTM)

21.2x

FWD P/E

—

DAY RANGE

$156 – $159

52W RANGE

$156
$159

AI Summary

Stalk
Sell NowMedium

BK is in a prolonged consolidation (Stage 1) with flat long- and short-term trends and no active structural patterns. Price is extremely overbought near the upper bound of its range, aligning with a bearish medium-term posture and suggesting that selling into strength is the appropriate immediate engagement. The absence of mean-reversion eligibility and low transition risk reinforce a defensive stance, while a failure to break support would invalidate this view.

  • ↑Q4’25 net income $5.3B on $20.1B revenue (+8% YoY), operational leverage +500 bps
  • ↑ROTCE at 26%, with a 28% medium-term target, outpacing peers
  • ↓NII-dependent model vulnerable to interest rate swings and curve shifts
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

The Bank of New York Mellon Corporation (BK) is a leading global financial services firm specializing in investment management, investment services, and wealth management solutions. Positioned strategically within the financial services sector, BNY Mellon is at the forefront of embracing digital assets and AI-driven technologies, which are critical themes reshaping the industry landscape. The bank offers a wide range of services across various asset classes, including both traditional and digital financial products, thereby establishing a robust competitive edge.

Bull says

  • ↑Q4’25 net income $5.3B on $20.1B revenue (+8% YoY), operational leverage +500 bps
  • ↑ROTCE at 26%, with a 28% medium-term target, outpacing peers
  • ↑Net interest income rose 13% YoY to $1.3B; 2026 NII guide +5%
  • ↑Expanding digital assets and AI via tokenized deposits and Eliza platform
  • ↑Analysts raised price targets (Citigroup to $172, ~9% upside), consensus moderate buy
  • ↑High profitability, positive earnings yield and strong momentum support growth

Bear says

  • ↓NII-dependent model vulnerable to interest rate swings and curve shifts
  • ↓Investment management fees declined 2%, straining fee revenue growth
  • ↓Operating expenses set to rise 3–4% in 2026, pressuring margins
  • ↓Industry consolidation and fintech entrants threaten client retention
  • ↓AI rollout risks delayed efficiencies and lower-than-expected revenues
  • ↓Elevated leverage risk and weak sales growth factors increase downside

Investment themes with BK

High Dividend Yield↑ +0.32%

Companies paying above-average dividends

AVGO · JPM · XOM
Large Banks↑ +0.50%

MS · GS · BAC
Capital Markets↓ -0.02%

Debt and equity trading fueling economic growth

SNEX · AAMI · PWP

Earnings Call · Q4 2025 · Mgmt. Guidance

Updated 07-21-2026neutral

Transcript signals

Bull points

  • record net income of $5.3 billion on record revenue of $20.1 billion and generated a return on tangible common equity of 26%. Total revenue grew by 8% year-over-year. In combination with expense growth of 3%, we drove 507 basis points of positive operating leverage on a reported basis and 411 basis points excluding notable items, resulting in an improved pretax margin of 35%. Consistent execution delivered 4 consecutive quarters of positive operating leverage in 2025, bringing us to 8 consecutive quarters overall.
  • We achieved record sales performance for the year, and we announced several noteworthy wins in the fourth quarter. Further deepening our relationship, WisdomTree selected BNY as their banking-as-a-service provider for the WisdomTree Prime platform. This solution brings together banking, payments, custody and digital assets to support the growth of WisdomTree's new retail distribution model and its strategy on being a leading digital asset forward investment manager.
  • in 2025, we made significant advances in the adoption of AI, underscoring our industry leadership in this burgeoning space. Built upon very deliberate investments over the past several years, our enterprise AI platform, Eliza, is unlocking capacity for our people, allowing them to focus on higher value work for our clients. We expect that over time, AI will allow us to remake many of our processes and systems in new and exciting ways. And that, together with embedding AI in our products and services, represents a significant opportunity for our company in the years ahead.

Bear points

  • Securities Services reported total revenue of $2.5 billion, up 7% year-over-year. Total investment services fees were up 11%. In Asset Servicing, investment services fees grew by 11%, primarily reflecting higher client activity and higher market values. Asset Servicing continues to show strong momentum as clients increasingly access the breadth of capabilities across our platforms to help them evolve their operating models.
  • Investment and Wealth Management reported total revenue of $854 million, down 2% year-over-year.
  • we saw net outflows of $3 billion, including $23 billion of net outflows from long-term strategies and $20 billion of net inflows into cash.
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