BK vs STT Stock Comparison: AI Score, Valuation, Performance and Upside
BNY Mellon and State Street are both leading global custody banks serving institutional clients, though State Street also runs a sizable asset management business through State Street Global Advisors alongside its servicing operations.
BNY Mellon offers a pure-play scale advantage in global custody and securities services, while State Street combines custody servicing with a large asset management franchise. Consider whether you prefer BNY Mellon's servicing focus or State Street's blended custody-and-asset-management model.
BK holds the edge across 4 of 5 key metrics in this comparison. BK has delivered stronger 1-year price return (+64.55% vs +61.52%), though STT has the better forward P/E setup (12.63x vs 14.23x for BK). BK leads on both revenue growth (13.40%) and operating margin (37.65%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies similar upside for both: +4.00% for BK and +3.19% for STT.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to a scaled global custody and securities servicing franchise
- Believe technology modernization investments will strengthen its competitive position
- Value diversified fee revenue across custody, treasury, and investment management
- Are comfortable with fee revenue tied to global market asset values
- Want exposure to both custody servicing and a large asset management franchise
- Believe State Street Global Advisors provides a complementary fee revenue stream
- Value scale in ETF and index fund servicing
- Are comfortable with fee compression trends across passive asset management
| Metric | BK | STT |
|---|---|---|
| AI scorei | 52.2 | 43.8 |
| AI ranki | #405 | #851 |
| Latest closei | $157.13 | $182.87 |
| 1M returni | +7.57% | -1.58% |
| 6M returni | +26.75% | +51.19% |
| 1Y returni | +64.55% | +61.52% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | BK | STT |
|---|---|---|
| 1Y ago | $16.05K (+60.5%) started 2025-07-17 | $16.15K (+61.5%) started 2025-09-18 |
| 5Y ago | $42.25K (+322.5%) started 2021-07-19 | $28.75K (+187.5%) started 2021-09-20 |
| 10Y ago | $65.08K (+550.8%) started 2016-07-18 | $45.45K (+354.5%) started 2016-09-19 |
Hypothetical — past performance does not guarantee future results.
| Metric | BK | STT |
|---|---|---|
| Market capi | $94.14B | $53.11B |
| Trailing P/Ei | 17.02 | 17.06 |
| Forward P/Ei | 14.23 | 12.63 |
| Price/Salesi | N/A | 2.15 |
| EV/Revenuei | -3.18 | N/A |
| Analyst targeti | $142.64 | $199.50 |
| Target upsidei | +4.00% | +3.19% |
| Metric | BK | STT |
|---|---|---|
| Revenue growthi | 13.40% | -2.80% |
| Earnings growthi | 41.80% | -24.10% |
| EPS growthi | +41.80% | -24.10% |
| FCF margini | N/A | N/A |
| Operating margini | 37.65% | 27.82% |
| Profit margini | 28.72% | 23.00% |
| ROIC proxyi | 13.47% | 12.44% |
| Return on equityi | 13.47% | 12.44% |
| Dividend yieldi | 1.53% | 1.90% |
| Payout ratioi | N/A | 29.66% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 1.07 | 1.42 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, BK and STT have moved strongly in the same direction (correlation of 0.79), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | BK | STT |
|---|---|---|---|
| 1Y | Growthi | +60.47% | +61.52% |
| CAGRi | +60.58% | +61.57% | |
| Volatilityi | 20.83% | 24.89% | |
| Sharpe ratioi | 2.25 | 1.88 | |
| Sortino ratioi | 3.39 | 2.72 | |
| Max drawdowni | 10.15% | 11.79% | |
| Current drawdowni | 0.00% | 5.86% | |
| Avg drawdowni | 2.47% | 2.54% | |
| Ulcer Indexi | 3.70% | 3.86% | |
| Max daily dropi | 5.58% | 6.07% | |
| Max wkly dropi | 6.90% | 7.48% | |
| 5Y | Growthi | +272.32% | +151.51% |
| CAGRi | +30.11% | +20.28% | |
| Volatilityi | 24.54% | 29.98% | |
| Sharpe ratioi | 1.02 | 0.62 | |
| Sortino ratioi | 1.48 | 0.86 | |
| Max drawdowni | 40.45% | 41.45% | |
| Current drawdowni | 0.00% | 5.86% | |
| Avg drawdowni | 12.15% | 14.73% | |
| Ulcer Indexi | 17.37% | 19.18% | |
| Max daily dropi | 8.26% | 12.08% | |
| Max wkly dropi | 16.00% | 17.98% | |
| 10Y | Growthi | +398.85% | +241.28% |
| CAGRi | +17.44% | +13.06% | |
| Volatilityi | 26.91% | 32.65% | |
| Sharpe ratioi | 0.57 | 0.40 | |
| Sortino ratioi | 0.80 | 0.57 | |
| Max drawdowni | 50.49% | 59.59% | |
| Current drawdowni | 0.00% | 5.86% | |
| Avg drawdowni | 12.56% | 18.96% | |
| Ulcer Indexi | 17.30% | 24.26% | |
| Max daily dropi | 14.50% | 18.93% | |
| Max wkly dropi | 24.89% | 23.34% |
| Category | BK | STT |
|---|---|---|
| Company | The Bank of New York Mellon Corporation | State Street Corporation |
| Sector | Financial Services | Financial Services |
| Industry | N/A | Asset Management |
| Core business | A global custody bank and financial services company providing asset servicing, securities services, and investment management to institutional clients worldwide. | A global custody bank and asset servicing company that also operates State Street Global Advisors, one of the largest asset managers in the world, alongside its institutional servicing business. |
| Investor focus | Assets under custody and administration growth, fee-based revenue trends, and progress on technology and platform modernization investments. | Servicing fee growth, State Street Global Advisors asset management flows, and expense discipline relative to revenue growth. |
- Scale in global custody and securities services creates high switching costs for institutional clients
- Diversified fee revenue across custody, treasury services, and investment management reduces reliance on interest income
- Long operating history as a trusted counterparty gives it credibility with large institutional asset owners
- Combination of custody servicing and a large asset management arm provides two complementary fee revenue streams
- Global institutional client base spans pension funds, sovereign wealth funds, and other large asset owners
- Scale in ETF and index fund servicing supports steady recurring fee income
- Fee revenue is sensitive to global market asset values and trading volumes, which can be volatile
- Client fee pressure remains a persistent theme across the custody banking industry
- Technology modernization investments require sustained spending to keep pace with client expectations
- Asset management flows can be pressured by fee compression trends across the passive investing industry
- Servicing fee revenue is tied to global asset values and can decline in weaker market environments
- Expense management remains an ongoing focus given the competitive custody banking landscape
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