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BAC vs JPM
Which Stock Would AI Choose? Bank of America (BAC) vs. JPMorgan Chase (JPM) Stock Comparison
Key Takeaways
- JPM is the largest U.S. bank by assets and market capitalization, while BAC is the second-largest, giving both outsized exposure to the U.S. economy.
- Both banks delivered strong recent quarters, but JPM posted record net income of $21.2 billion (up 41%), versus $9.1 billion (up 27%) for BAC.
- JPM has stronger momentum, trading near record highs and approaching a potential $1 trillion valuation; BAC has lagged key peers over the past six months.
- BAC trades at a lower valuation with a higher dividend yield, while JPM carries a premium multiple for its scale and diversified earnings.
- Both benefit from a rebounding investment banking and trading cycle, though JPM has a larger capital-markets franchise.
Introduction
Bank of America (BAC) and JPMorgan Chase (JPM) are two of the most closely watched names in U.S. banking, and their relative performance is often treated as a proxy for the health of the broader financial system. This stock comparison is relevant for investors weighing a diversified, scale-driven leader against a slightly smaller peer with a strong consumer deposit base and a leaner valuation. For traders, the two stocks also offer a lens into how market sentiment shifts between quality momentum and value within the same sector. The sections below examine recent performance, growth drivers, and market positioning to help clarify the trade-offs between these two banking giants.
BAC Overview and Recent Performance
Bank of America is a diversified financial institution spanning consumer banking, commercial lending, investment banking, wealth management, and global markets. In recent quarters, the company has benefited from higher net interest income (NII), steady loan and deposit growth, and a sharp recovery in its investment banking franchise. Its most recent quarterly results showed net income rising 27% to $9.1 billion, with sales and trading revenue up 33% and investment banking fees up 50% year over year.
Despite these solid figures, BAC has trailed several large-bank peers over the past six months, rising roughly 17% versus an 18.6% gain for JPM. The stock trades near the mid-$50s, below its 52-week high of about $65, and holds an analyst consensus of "Buy" with an average price target implying meaningful upside. A large, low-cost deposit base of roughly $2 trillion supports its funding advantage, while continued investment in digital banking and artificial intelligence (AI) is a key part of its strategy. Berkshire Hathaway remains its largest shareholder.
JPM Overview and Recent Performance
JPMorgan Chase is the largest U.S. bank by assets and market value, operating across consumer and community banking, a corporate and investment bank, and an asset and wealth management division. The company has delivered record results in recent periods, reporting $21.2 billion in net income in its latest quarter, up 41% year over year, on record revenue of roughly $57 billion. Investment banking fees rose 30% to their highest level since 2021, markets revenue climbed 35%, and assets under management (AUM) crossed $5 trillion for the first time.
JPM has shown stronger momentum than many peers, with its market capitalization approaching the $1 trillion threshold. The bank raised its quarterly dividend by 10% to $1.65 per share and authorized a $50 billion share repurchase program, supported by a common equity tier 1 (CET1) capital ratio of 14.1% and a return on tangible common equity (ROTCE) of 23%. Chief Executive Jamie Dimon has cautioned, however, that risks such as geopolitical tensions, sticky inflation, and elevated asset prices remain "shifting below the surface."
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Head-to-Head Comparison
While both companies are systemically important U.S. banks, their business mixes and market positioning differ in meaningful ways. JPM operates a larger corporate and investment bank, giving it more upside to a rebounding capital-markets and dealmaking cycle, as reflected in its outsized trading and advisory revenue. BAC leans more heavily on a vast consumer and commercial deposit franchise, which provides stable, low-cost funding but also makes its earnings more sensitive to interest-rate movements.
On valuation, BAC trades at a lower price-to-earnings (P/E) ratio, near 11.7 times, and offers a higher dividend yield of roughly 2.2%. JPM trades at a premium, around 15 times trailing earnings, with a yield near 1.9%, reflecting its scale, diversification, and stronger recent momentum. On the risk side, JPM has raised its full-year expense guidance, while BAC carries greater interest-rate sensitivity and has seen larger institutional ownership shifts. Both face shared macro risks, including credit quality and economic uncertainty.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings momentum, capital strength, and relative positioning, Tickeron's AI would likely lean toward JPM in the current environment. Its record profitability, diversified revenue base, robust CET1 capital, and stronger recent price momentum suggest more durable catalysts across both lending and capital-markets cycles. That said, BAC's lower valuation, higher dividend yield, and deposit franchise offer a compelling value profile that may appeal under different conditions. The verdict is probabilistic rather than definitive, and relative performance could shift as rate expectations and market activity evolve.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BAC is a Hold and JPM is a Hold.
BAC | JPM | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 82 | 90 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 61 Fair valued | 87 Overvalued | |
PROFIT vs RISK RATING 1..100 | 51 | 10 | |
SMR RATING 1..100 | 2 | 1 | |
PRICE GROWTH RATING 1..100 | 59 | 54 | |
P/E GROWTH RATING 1..100 | 59 | 52 | |
SEASONALITY SCORE 1..100 | 90 | 65 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BAC's Valuation (61) in the Major Banks industry is in the same range as JPM (87). This means that BAC’s stock grew similarly to JPM’s over the last 12 months.
JPM's Profit vs Risk Rating (10) in the Major Banks industry is somewhat better than the same rating for BAC (51). This means that JPM’s stock grew somewhat faster than BAC’s over the last 12 months.
JPM's SMR Rating (1) in the Major Banks industry is in the same range as BAC (2). This means that JPM’s stock grew similarly to BAC’s over the last 12 months.
JPM's Price Growth Rating (54) in the Major Banks industry is in the same range as BAC (59). This means that JPM’s stock grew similarly to BAC’s over the last 12 months.
JPM's P/E Growth Rating (52) in the Major Banks industry is in the same range as BAC (59). This means that JPM’s stock grew similarly to BAC’s over the last 12 months.
| BAC | JPM | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 71% | 2 days ago 71% |
| Stochastic ODDS (%) | 2 days ago 73% | 2 days ago 72% |
| Momentum ODDS (%) | 2 days ago 51% | 2 days ago 37% |
| MACD ODDS (%) | N/A | N/A |
| TrendWeek ODDS (%) | 2 days ago 61% | 2 days ago 52% |
| TrendMonth ODDS (%) | 2 days ago 54% | 2 days ago 49% |
| Advances ODDS (%) | 2 days ago 62% | 13 days ago 59% |
| Declines ODDS (%) | 7 days ago 61% | 8 days ago 59% |
| BollingerBands ODDS (%) | 2 days ago 80% | 2 days ago 74% |
| Aroon ODDS (%) | 2 days ago 52% | 2 days ago 55% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BAC’s FA Score shows that 1 FA rating(s) are green while JPM’s FA Score has 2 green FA rating(s).
- BAC’s FA Score: 1 green, 4 red.
- JPM’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BAC’s TA Score shows that 4 TA indicator(s) are bullish while JPM’s TA Score has 4 bullish TA indicator(s).
- BAC’s TA Score: 4 bullish, 5 bearish.
- JPM’s TA Score: 4 bullish, 5 bearish.
Price Growth
BAC (@Major Banks) experienced а -1.58% price change this week, while JPM (@Major Banks) price change was -0.61% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was -2.23%. For the same industry, the average monthly price growth was -9.49%, and the average quarterly price growth was +10.51%.
Reported Earning Dates
BAC is expected to report earnings on Oct 14, 2026.
JPM is expected to report earnings on Oct 13, 2026.
Industries' Descriptions
@Major Banks (-2.23% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
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BAC and
Correlation & Price change
A.I.dvisor indicates that over the last year, BAC has been closely correlated with WFC. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if BAC jumps, then WFC could also see price increases.
JPM and
Correlation & Price change
A.I.dvisor indicates that over the last year, JPM has been closely correlated with BAC. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if JPM jumps, then BAC could also see price increases.