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The Screen · Financials · Banks - Diversified
Bank Of New York Mellon Corp
BNY · the NYSE · USD · Market cap $110.5B · 47,200 employees
The Bank of New York Mellon Corporation provides a range of financial products and services in the United States and internationally.
FAIL · Does not pass the screen
162.85 USD
At the last full screen 2026-09-08
Screened 2026-09-08 · the tape above runs as of 11:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its distribution label.
Bank Of New York Mellon Corp holds its Distribution at $162.85. The statistical read favours the sellers, held for 1 days.
As held on the ledger · 2026-09-08
Phase
Distribution · caution
Quantitative state
The statistical read favours the sellers, held for 1 days
Price at the screen
$162.85
Valuation
19.00 trailing · 15.89 forward price to earnings
Values screen
FAIL· score 30.0
Beta
1.05
The Workings
Five Screens, Shown in Full
Does not pass. Excluded industry: Banks - Diversified
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Excluded industry: Banks - Diversified
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-08 screen. The gold marker is the market price at the same screen. A 0.0% margin of safety to the base estimate.
Third-party analyst targets: 15 covering, consensus None. The average target sits +6% from the screen price.
Reading the gap · Our more conservative model reads it as roughly fairly valued here, while the Street is more bullish: a quality-at-a-fair-price name rather than a deep-value one.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-08 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Banks Move Money but Fail Our Screen
Every pension payout or trade settlement that crosses continents runs through custody banks like BNY Mellon. The business shows steady 13% revenue growth, a 29% profit margin and 14% ROE, yet none of that matters once the ethical screen flags the entire diversified banks sector. We pass, full stop.
At 15.5 times forward earnings the shares sit close to our fair value with only a 4% margin of safety. Thirteen analysts call it a buy with a 175 median target, but our opportunity rating stays at none because the ethical exclusion overrides any valuation signal.
Bank earnings remain hostage to interest-rate swings, regulatory shifts and fee pressure that can erase apparently cheap multiples in a single cycle. The narrow moat offers little protection when the next policy change arrives. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
BNY trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-08-23Markdown · changed$157.24+0.1%Entry 5
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 0.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 23% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 59%. Our forward projection puts the odds of a 10% gain over the next month near 29%. The street (13 analysts) rates it buy, with a mean price target of $143.
2026-07-23Accumulation$157.13+9.1%Entry 4
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 9.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 23% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 59%. Our forward projection puts the odds of a 10% gain over the next month near 29%. The street (13 analysts) rates it buy, with a mean price target of $143.
2026-07-18Accumulation$143.98+0.0%Entry 3
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 23% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 59%. Our forward projection puts the odds of a 10% gain over the next month near 29%. The street (13 analysts) rates it buy, with a mean price target of $143.
2026-07-03Accumulation$143.98+0.0%Entry 2
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Accumulation$143.98Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.