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BAC vs VLY
Which Stock Would AI Choose? Bank of America (BAC) vs. Valley National Bancorp (VLY) Stock Comparison
Key Takeaways
- BAC, a diversified global banking giant, offers stability with a market cap over $387 billion, while VLY, a regional bank with $62 billion in assets, shows higher short-term momentum.
- VLY has outperformed with 14.38% YTD and 42% one-year returns, compared to BAC's 3.53% YTD and 19.84% one-year gains.
- Recent VLY strength stems from record Q4 2025 earnings, loan growth, and deposit expansion, boosting shares 29.3% in three months.
- BAC benefits from a $25 billion private credit commitment and steady earnings outlook, supporting consistent performance amid market caution.
- Both trade at similar PE ratios around 13-14, but VLY's higher dividend yield (3.29%) appeals to income seekers versus BAC's 2.07%.
- Regional VLY carries higher sector-specific risks like CRE exposure, while BAC's scale provides broader diversification.
Introduction
This comparison pits Bank of America (BAC), a leading diversified financial powerhouse, against Valley National Bancorp (VLY), a focused regional bank serving commercial and retail clients primarily in the Northeast and Florida. Traders seeking momentum plays may eye VLY's recent surge, while long-term investors might prefer BAC's scale and stability. In the current market environment of interest rate uncertainty and sector rotation, understanding their relative performance, growth drivers, and risk profiles aids in evaluating stock positioning for diversified portfolios or tactical trades.
BAC Overview and Recent Performance
Bank of America Corporation (BAC) is one of the world's largest financial institutions, offering banking, wealth management, investment banking, and global markets services through over 4,000 U.S. branches and international operations. With $3.4 trillion in assets, it serves consumers, small businesses, and institutions worldwide. In recent market activity, BAC shares have traded around $53, reflecting modest YTD gains of 3.53% and 19.84% over one year, outperforming in stability amid broader financial sector pressures. Sentiment has been influenced by a $25 billion commitment to private credit, positioning it competitively in high-growth lending, alongside analyst notes on elevated S&P 500 valuations tempering optimism. Earnings estimates show 12.9% growth for the fiscal year, with a 0.3% upward revision recently, supporting steady price behavior.
VLY Overview and Recent Performance
Valley National Bancorp (VLY), holding company for Valley National Bank, provides commercial, retail, insurance, and wealth management services across New Jersey, New York, Florida, and other states, with approximately $62 billion in assets. Shares recently hovered near $13.36, delivering strong YTD returns of 14.38% and 42% over one year, significantly outpacing the S&P 500. Recent weeks saw a 29.3% three-month rally, driven by record Q4 2025 net income of $195.4 million, 7% annualized loan growth to $50.1 billion, and nearly $4 billion in core deposit increases. Net interest margin improved to 3.17%, with leadership enhancements in digital banking fueling positive sentiment, though CRE concentration remains a watchpoint.
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Head-to-Head Comparison
BAC's diversified model spans consumer banking, global wealth, and markets, contrasting VLY's regional focus on commercial real estate (CRE) and deposits, exposing the latter to localized economic shifts. Growth drivers differ: BAC leverages private credit expansion and institutional scale, while VLY pursues 4-6% loan and 11-13% net interest income growth via organic deposits. Recent momentum favors VLY's 29% three-month surge post-earnings versus BAC's steadier path. Risk factors include VLY's 333% CRE concentration (excluding owner-occupied) versus BAC's broader revenue streams reducing volatility (beta 1.27 vs. 1.09). Sector exposure ties both to banking cycles, but BAC benefits from national footprint amid sentiment cautious on overvalued equities. Trade-offs: VLY offers higher yield (3.29%) and upside potential; BAC provides liquidity and resilience.
Tickeron AI Verdict
Tickeron’s AI currently favors VLY due to superior trend consistency in recent months, robust earnings catalysts like deposit momentum and margin expansion, and relative outperformance positioning it ahead in probabilistic short-term setups. BAC's stability suits longer horizons, but VLY's momentum edges it in observable factors amid regional banking recovery.
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. Disclaimers and Limitations
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 VLY is a Hold.
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 undervalued. 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 whileVLY’s FA Score has 1 green FA rating(s).
- BAC’s FA Score: 1 green, 4 red.
- VLY’s FA Score: 1 green, 4 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 5 TA indicator(s) are bullish while VLY’s TA Score has 5 bullish TA indicator(s).
- BAC’s TA Score: 5 bullish, 6 bearish.
- VLY’s TA Score: 5 bullish, 4 bearish.
Price Growth
BAC (@Major Banks) experienced а -3.00% price change this week, while VLY (@Regional Banks) price change was -2.61% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was -1.20%. For the same industry, the average monthly price growth was -1.68%, and the average quarterly price growth was +14.70%.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.27%. For the same industry, the average monthly price growth was +0.55%, and the average quarterly price growth was +16.16%.
Reported Earning Dates
BAC is expected to report earnings on Jul 14, 2026.
VLY is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Major Banks (-1.20% 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.
@Regional Banks (-1.27% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BAC | VLY | BAC / VLY | |
| Capitalization | 353B | 7.17B | 4,927% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -8.998 | 11.738 | -77% |
| P/E Ratio | 12.35 | 11.65 | 106% |
| Revenue | 115B | 2.09B | 5,508% |
| Total Cash | 25.4B | 376M | 6,755% |
| Total Debt | 384B | 2.98B | 12,873% |
BAC | VLY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 75 | 71 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 66 Overvalued | 42 Fair valued | |
PROFIT vs RISK RATING 1..100 | 59 | 80 | |
SMR RATING 1..100 | 2 | 10 | |
PRICE GROWTH RATING 1..100 | 59 | 47 | |
P/E GROWTH RATING 1..100 | 60 | 64 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
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.
VLY's Valuation (42) in the Regional Banks industry is in the same range as BAC (66) in the Major Banks industry. This means that VLY’s stock grew similarly to BAC’s over the last 12 months.
BAC's Profit vs Risk Rating (59) in the Major Banks industry is in the same range as VLY (80) in the Regional Banks industry. This means that BAC’s stock grew similarly to VLY’s over the last 12 months.
BAC's SMR Rating (2) in the Major Banks industry is in the same range as VLY (10) in the Regional Banks industry. This means that BAC’s stock grew similarly to VLY’s over the last 12 months.
VLY's Price Growth Rating (47) in the Regional Banks industry is in the same range as BAC (59) in the Major Banks industry. This means that VLY’s stock grew similarly to BAC’s over the last 12 months.
BAC's P/E Growth Rating (60) in the Major Banks industry is in the same range as VLY (64) in the Regional Banks industry. This means that BAC’s stock grew similarly to VLY’s over the last 12 months.
| BAC | VLY | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 61% | 2 days ago 69% |
| Stochastic ODDS (%) | 2 days ago 76% | 2 days ago 69% |
| Momentum ODDS (%) | 2 days ago 60% | 2 days ago 66% |
| MACD ODDS (%) | 2 days ago 56% | 2 days ago 61% |
| TrendWeek ODDS (%) | 2 days ago 62% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 69% |
| Advances ODDS (%) | 10 days ago 61% | 10 days ago 63% |
| Declines ODDS (%) | 5 days ago 62% | 3 days ago 69% |
| BollingerBands ODDS (%) | 2 days ago 73% | 2 days ago 73% |
| Aroon ODDS (%) | 2 days ago 64% | 2 days ago 64% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| FDD | 19.21 | -0.26 | -1.34% |
| First Trust STOXX European Select Dividend Income Fund | |||
| SROI | 36.39 | -0.60 | -1.63% |
| Calamos Antetokounmpo Global Sus Eqs ETF | |||
| XLK | 176.26 | -3.24 | -1.81% |
| State Street®TechSelSectSPDR®ETF | |||
| RESM | 22.39 | -0.42 | -1.85% |
| Columbia Research Enhanced Small Cap ETF | |||
| PSCI | 165.29 | -3.83 | -2.27% |
| Invesco S&P SmallCap Industrials ETF | |||
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 80% 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.
VLY and
Correlation & Price change
A.I.dvisor indicates that over the last year, VLY has been closely correlated with FNB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if VLY jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To VLY | 1D Price Change % | ||
|---|---|---|---|---|
| VLY | 100% | -0.92% | ||
| FNB - VLY | 87% Closely correlated | -1.61% | ||
| WTFC - VLY | 86% Closely correlated | -1.34% | ||
| FULT - VLY | 85% Closely correlated | -1.73% | ||
| ASB - VLY | 85% Closely correlated | -2.12% | ||
| UBSI - VLY | 84% Closely correlated | -1.30% | ||
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