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BAC or C or JPM
Which Stock Would AI Choose? Bank of America (BAC) vs. Citigroup (C) vs. JPMorgan Chase (JPM) Stock Comparison
Key Takeaways
- C has demonstrated the strongest recent momentum, with shares rising over 16% in the past month and nearly 88% over the past year, outpacing peers.
- JPM offers stability as the largest U.S. bank by assets, with diversified revenue and a trailing P/E ratio of about 15.4, though year-to-date performance has been softer.
- BAC reported robust Q1 2026 results, including $30.3 billion in revenue and 16% return on tangible common equity (ROTCE, a measure of profitability excluding intangibles), supporting steady gains of around 33% over the past year.
- All three banks benefited from strong fixed-income trading in recent quarters, but C and JPM showed particular strength amid market volatility.
- Valuations remain attractive, with BAC at a lower trailing P/E of 13.7 compared to peers, appealing to value-oriented investors.
Introduction
Bank of America (BAC), Citigroup (C), and JPMorgan Chase (JPM) represent three of the largest U.S. banking giants, offering exposure to consumer banking, investment services, and global markets. This stock comparison analyzes their recent performance, business drivers, and market positioning in the current environment of steady interest rates and economic resilience. Traders seeking momentum plays and long-term investors evaluating stability will find insights into relative strengths, helping inform decisions on sector allocation and stock selection.
BAC Overview and Recent Performance
Bank of America (BAC) is a leading U.S. financial institution with a focus on consumer banking, wealth management, and investment banking. In recent market activity, BAC shares have traded around $52–$53, reflecting modest gains amid broader sector rotation. Q1 2026 earnings highlighted $30.3 billion in net revenue and $8.6 billion in net income, with EPS of $1.11 and ROTCE of 16%, driven by resilient consumer spending and deposit growth. Sentiment has been supported by rising dividends and controlled expenses, though shares have underperformed peers year-to-date due to sensitivity to net interest income (NII, revenue from loans minus deposit costs) pressures in a stable rate environment. Over the past year, the stock has advanced about 33%, underscoring long-term appeal.
C Overview and Recent Performance
Citigroup (C) operates a global banking franchise emphasizing institutional clients, markets, and international operations. Shares have surged in recent weeks, up over 16% in the past month to around $128–$129, fueled by restructuring progress and strong trading results. The bank has delivered nearly 88% gains over the past year, significantly outpacing the sector, with a 52-week range from $67 to $135. Recent earnings showed impressive beats, boosting shares over 3% post-report, amid optimism for improved efficiency and services-led growth. Investor sentiment reflects confidence in management's simplification efforts, though exposure to emerging markets adds volatility.
JPM Overview and Recent Performance
JPMorgan Chase (JPM), the largest U.S. bank by assets at over $4 trillion, provides comprehensive services across consumer, commercial, and investment banking. In recent trading, shares hover near $310–$312, with about 8% monthly gains and 27% annual appreciation. Q1 2026 fixed-income trading revenue jumped 21% to $7.08 billion, exceeding estimates and supporting diversified earnings. Performance has been steady but lagged some peers amid year-to-date softness, influenced by branch expansion and robust dealmaking. Strong fundamentals, including a P/E around 15, reinforce its defensive positioning in uncertain markets.
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Head-to-Head Comparison
BAC, C, and JPM share core banking models but diverge in scale and focus: JPM's vast asset base and investment banking dominance provide earnings diversity, contrasting BAC's retail-heavy emphasis and C's global institutional tilt. Recent momentum favors C, with superior returns amid trading surges, while BAC trades at the cheapest valuation (P/E ~13.7). Risk factors include NII compression for all, but C faces higher geopolitical exposure. Sector-wise, JPM leads in M&A (mergers and acquisitions) activity, bolstering sentiment, though all benefit from U.S. economic resilience. Trade-offs pit C's growth potential against JPM's stability.
Tickeron AI Verdict
Tickeron's AI currently leans toward C for its consistent trend strength, outsized recent gains exceeding 16% monthly, and positive relative positioning versus BAC and JPM. Observable catalysts like earnings beats and restructuring momentum suggest higher probability of near-term upside, though JPM remains a close contender for risk-averse strategies.
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.
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 2 FA rating(s) are green whileC’s FA Score has 4 green FA rating(s), and JPM’s FA Score reflects 3 green FA rating(s).
- BAC’s FA Score: 2 green, 3 red.
- C’s FA Score: 4 green, 1 red.
- JPM’s FA Score: 3 green, 2 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 6 TA indicator(s) are bullish while C’s TA Score has 4 bullish TA indicator(s), and JPM’s TA Score reflects 6 bullish TA indicator(s).
- BAC’s TA Score: 6 bullish, 5 bearish.
- C’s TA Score: 4 bullish, 5 bearish.
- JPM’s TA Score: 6 bullish, 4 bearish.
Price Growth
BAC (@Major Banks) experienced а +4.07% price change this week, while C (@Major Banks) price change was +5.56% , and JPM (@Major Banks) price fluctuated +2.67% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +3.43%. For the same industry, the average monthly price growth was +8.48%, and the average quarterly price growth was +16.81%.
Reported Earning Dates
BAC is expected to report earnings on Jul 14, 2026.
C is expected to report earnings on Jul 14, 2026.
JPM is expected to report earnings on Jul 14, 2026.
Industries' Descriptions
@Major Banks (+3.43% 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.
| BAC | C | JPM | |
| Capitalization | 398B | 238B | 859B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 2.963 | 21.025 | 0.495 |
| P/E Ratio | 13.90 | 17.28 | 15.35 |
| Revenue | 115B | 88.3B | 186B |
| Total Cash | 27.1B | 23.7B | 21.7B |
| Total Debt | 384B | 380B | 517B |
BAC | C | JPM | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 90 | 29 | 24 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 65 Fair valued | 66 Overvalued | 84 Overvalued | |
PROFIT vs RISK RATING 1..100 | 52 | 19 | 15 | |
SMR RATING 1..100 | 3 | 3 | 2 | |
PRICE GROWTH RATING 1..100 | 21 | 7 | 27 | |
P/E GROWTH RATING 1..100 | 48 | 23 | 35 | |
SEASONALITY SCORE 1..100 | 50 | 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.
BAC's Valuation (65) in the Major Banks industry is in the same range as C (66) in the Financial Conglomerates industry, and is in the same range as JPM (84) in the Major Banks industry. This means that BAC's stock grew similarly to C’s and similarly to JPM’s over the last 12 months.
JPM's Profit vs Risk Rating (15) in the Major Banks industry is in the same range as C (19) in the Financial Conglomerates industry, and is somewhat better than the same rating for BAC (52) in the Major Banks industry. This means that JPM's stock grew similarly to C’s and somewhat faster than BAC’s over the last 12 months.
JPM's SMR Rating (2) in the Major Banks industry is in the same range as C (3) in the Financial Conglomerates industry, and is in the same range as BAC (3) in the Major Banks industry. This means that JPM's stock grew similarly to C’s and similarly to BAC’s over the last 12 months.
C's Price Growth Rating (7) in the Financial Conglomerates industry is in the same range as BAC (21) in the Major Banks industry, and is in the same range as JPM (27) in the Major Banks industry. This means that C's stock grew similarly to BAC’s and similarly to JPM’s over the last 12 months.
C's P/E Growth Rating (23) in the Financial Conglomerates industry is in the same range as JPM (35) in the Major Banks industry, and is in the same range as BAC (48) in the Major Banks industry. This means that C's stock grew similarly to JPM’s and similarly to BAC’s over the last 12 months.
| BAC | C | JPM | |
|---|---|---|---|
| RSI ODDS (%) | 2 days ago 69% | 2 days ago 54% | N/A |
| Stochastic ODDS (%) | 2 days ago 59% | 2 days ago 63% | 2 days ago 54% |
| Momentum ODDS (%) | 2 days ago 68% | 2 days ago 66% | 2 days ago 64% |
| MACD ODDS (%) | 2 days ago 66% | 2 days ago 63% | 2 days ago 60% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 69% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 58% | 2 days ago 66% | 2 days ago 57% |
| Advances ODDS (%) | 2 days ago 62% | 2 days ago 66% | 2 days ago 59% |
| Declines ODDS (%) | 6 days ago 62% | 17 days ago 67% | 17 days ago 59% |
| BollingerBands ODDS (%) | 2 days ago 67% | 2 days ago 63% | 2 days ago 57% |
| Aroon ODDS (%) | 2 days ago 59% | 2 days ago 64% | 2 days ago 57% |
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JPM and
Correlation & Price change
A.I.dvisor indicates that over the last year, JPM has been closely correlated with C. These tickers have moved in lockstep 74% of the time. This A.I.-generated data suggests there is a high statistical probability that if JPM jumps, then C could also see price increases.