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BAC or JPM or VLY
Which Stock Would AI Choose? Bank of America (BAC) vs. JPMorgan Chase (JPM) vs. Valley National Bancorp (VLY) Stock Comparison
Key Takeaways
- BAC trades at around $47 with a market cap exceeding $340B, showing mixed recent performance amid valuation concerns at 12.4x P/E and 2.4% dividend yield.
- JPM, the largest by market cap at $773B near $287, exhibits stronger YTD positioning at 14.3x P/E despite recent pullbacks, with 2.1% yield and diversified revenue.
- VLY at $11.7 with $6.5B market cap offers higher 3.8% yield and 11.6x P/E, boosted by buybacks but pressured by CRE exposure.
- All three banks face interest rate sensitivity, but megabanks BAC and JPM provide greater scale and stability versus regional VLY's growth momentum.
- Recent weeks show sector dips, with JPM leading relative strength in longer-term returns and earnings outlook.
- AI tools highlight varying risk-reward, favoring diversified leaders in volatile conditions.
Introduction
This stock comparison examines BAC, JPM, and VLY, three banks spanning megacap to regional scales in the financial sector. Investors seeking exposure to banking—whether for income via dividends, growth through lending expansion, or stability amid economic shifts—will find value in understanding their relative performance. Recent market activity has pressured bank stocks due to rate expectations and credit concerns, highlighting contrasts in scale, diversification, and regional focus. This analysis draws on current metrics and trends to aid informed relative positioning in today's environment.
BAC Overview and Recent Performance
Bank of America (BAC), a leading U.S. megabank, operates consumer banking, wealth management, and investment services with assets over $3 trillion. In recent market activity, shares around $47 have shown mixed signals, with short-term gains offset by weaker 30-day returns and YTD variability. Valuation insights indicate modest overvaluation at roughly 8.8%, influenced by regulatory and crypto challenges alongside digital enhancements. Sentiment reflects resilience in earnings forecasts, with consensus EPS growth projected at 13% for the year, supported by broad revenue streams but tempered by sector headwinds like deposit costs.
JPM Overview and Recent Performance
JPMorgan Chase (JPM), the world's largest bank by market cap near $773B, delivers diversified operations in consumer, commercial, and investment banking with assets topping $4 trillion. Shares trading around $287 have faced recent monthly declines of about 7%, yet maintain positive longer-term momentum and YTD outperformance relative to benchmarks. Key influences include capital relief from regulatory adjustments and expansion in areas like China investment banking, bolstering sentiment amid broader sector pressures. Earnings estimates signal 7% growth, driven by net interest income stability and fee-based diversification.
VLY Overview and Recent Performance
Valley National Bancorp (VLY), a regional bank focused on the Northeast with $64B in assets, emphasizes commercial real estate and C&I lending. Shares near $11.7 have declined over 13% in the past month but posted strong one-year gains around 32-39%, aided by Q4 earnings beats and a new 25M share buyback through 2028. Performance reflects loan growth in C&I offset by CRE caution, with outlook revisions to positive amid improving margins to 3%. Sentiment balances higher yields against regional risks like deposit competition.
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Head-to-Head Comparison
BAC and JPM dwarf VLY in scale, with megabank diversification across global investment banking reducing regional CRE risks plaguing VLY. Growth drivers favor JPM's international expansion and capital markets versus BAC's consumer focus and VLY's Northeast lending. Recent momentum shows VLY's buyback lift but monthly dips, while JPM edges longer-term stability. Risks include rate sensitivity for all, amplified for VLY by CRE exposure; valuations position VLY cheapest at 11.6x P/E and 3.8% yield, BAC at 12.4x/2.4%, JPM 14.3x/2.1%—trading off income for growth. Sector exposure leans megabanks toward fee income resilience, with sentiment favoring JPM's execution amid volatility.
Tickeron AI Verdict
Tickeron's AI would lean toward JPM in the current environment, owing to its superior trend consistency, balance sheet strength, and relative positioning versus peers. Observable factors like diversified catalysts, stable earnings trajectory, and market leadership amid banking pressures suggest higher probability of outperformance, though all carry sector risks.
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
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 whileJPM’s FA Score has 2 green FA rating(s), and VLY’s FA Score reflects 1 green FA rating(s).
- BAC’s FA Score: 2 green, 3 red.
- JPM’s FA Score: 2 green, 3 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 6 TA indicator(s) are bullish while JPM’s TA Score has 6 bullish TA indicator(s), and VLY’s TA Score reflects 6 bullish TA indicator(s).
- BAC’s TA Score: 6 bullish, 5 bearish.
- JPM’s TA Score: 6 bullish, 5 bearish.
- VLY’s TA Score: 6 bullish, 4 bearish.
Price Growth
BAC (@Major Banks) experienced а +1.12% price change this week, while JPM (@Major Banks) price change was +0.14% , and VLY (@Regional Banks) price fluctuated +3.66% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +1.57%. For the same industry, the average monthly price growth was +9.71%, and the average quarterly price growth was +21.18%.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.42%. For the same industry, the average monthly price growth was +6.88%, and the average quarterly price growth was +19.50%.
Reported Earning Dates
BAC is expected to report earnings on Jul 14, 2026.
JPM is expected to report earnings on Jul 14, 2026.
VLY is expected to report earnings on Apr 23, 2026.
Industries' Descriptions
@Major Banks (+1.57% 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 (+1.42% 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 | JPM | VLY | |
| Capitalization | 385B | 849B | 7.53B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | -1.355 | -2.773 | 17.442 |
| P/E Ratio | 13.42 | 15.17 | 13.46 |
| Revenue | 113B | 182B | 2.03B |
| Total Cash | 25.4B | 21.7B | 376M |
| Total Debt | 366B | 500B | 3.34B |
BAC | JPM | VLY | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 35 | 50 | 23 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 68 Overvalued | 84 Overvalued | 47 Fair valued | |
PROFIT vs RISK RATING 1..100 | 48 | 15 | 71 | |
SMR RATING 1..100 | 1 | 1 | 11 | |
PRICE GROWTH RATING 1..100 | 21 | 48 | 40 | |
P/E GROWTH RATING 1..100 | 43 | 34 | 50 | |
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.
VLY's Valuation (47) in the Regional Banks industry is in the same range as BAC (68) in the Major Banks industry, and is somewhat better than the same rating for JPM (84) in the Major Banks industry. This means that VLY's stock grew similarly to BAC’s and somewhat faster than JPM’s over the last 12 months.
JPM's Profit vs Risk Rating (15) in the Major Banks industry is somewhat better than the same rating for BAC (48) in the Major Banks industry, and is somewhat better than the same rating for VLY (71) in the Regional Banks industry. This means that JPM's stock grew somewhat faster than BAC’s and somewhat faster than VLY’s over the last 12 months.
JPM's SMR Rating (1) in the Major Banks industry is in the same range as BAC (1) in the Major Banks industry, and is in the same range as VLY (11) in the Regional Banks industry. This means that JPM's stock grew similarly to BAC’s and similarly to VLY’s over the last 12 months.
BAC's Price Growth Rating (21) in the Major Banks industry is in the same range as VLY (40) in the Regional Banks industry, and is in the same range as JPM (48) in the Major Banks industry. This means that BAC's stock grew similarly to VLY’s and similarly to JPM’s over the last 12 months.
JPM's P/E Growth Rating (34) in the Major Banks industry is in the same range as BAC (43) in the Major Banks industry, and is in the same range as VLY (50) in the Regional Banks industry. This means that JPM's stock grew similarly to BAC’s and similarly to VLY’s over the last 12 months.
| BAC | JPM | VLY | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 70% | 4 days ago 56% | 1 day ago 62% |
| Stochastic ODDS (%) | 1 day ago 64% | 4 days ago 56% | 1 day ago 66% |
| Momentum ODDS (%) | 1 day ago 67% | 4 days ago 69% | 1 day ago 61% |
| MACD ODDS (%) | 1 day ago 64% | 4 days ago 64% | 1 day ago 68% |
| TrendWeek ODDS (%) | 1 day ago 63% | 4 days ago 61% | 1 day ago 64% |
| TrendMonth ODDS (%) | 1 day ago 58% | 4 days ago 57% | 1 day ago 63% |
| Advances ODDS (%) | 1 day ago 61% | 4 days ago 59% | 1 day ago 62% |
| Declines ODDS (%) | 25 days ago 62% | 6 days ago 59% | 22 days ago 69% |
| BollingerBands ODDS (%) | 1 day ago 74% | 4 days ago 46% | 1 day ago 76% |
| Aroon ODDS (%) | 1 day ago 47% | 4 days ago 53% | 1 day ago 58% |
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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 80% 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.