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BAP or C or RF
Which Stock Would AI Choose? Credicorp Ltd (BAP) vs. Citigroup Inc (C) vs. Regions Financial Corp (RF) Stock Comparison
Key Takeaways
- BAP leads with strong YTD performance at 13.48% and 1-year gains of 85.88%, driven by robust Q4 earnings and loan growth outlook.
- C offers global scale with a market cap over $187B but faces operational headwinds from geopolitical tensions in the Middle East.
- RF provides the highest dividend yield at 4.07% among the three, appealing for income investors despite a recent Q4 EPS miss.
- BAP boasts the highest ROE at 19.12%, reflecting efficient capital use in Latin American markets.
- All three stocks trade at attractive valuations, with RF at the lowest P/E of 10.87, amid regional banking sector pressures.
- Recent relative performance favors BAP, outperforming peers in momentum and growth metrics.
Introduction
This stock comparison examines BAP, C, and RF, three financial institutions spanning Latin American universal banking, global diversified services, and U.S. regional banking. Investors seeking exposure to banking sectors with varying geographic footprints and risk profiles may find value here. In the current market environment, characterized by interest rate dynamics, geopolitical influences, and earnings momentum, understanding their relative performance, valuation sensitivity, and growth drivers is essential for portfolio positioning and stock comparison analysis.
BAP Overview and Recent Performance
Credicorp Ltd (BAP) is a Peru-based financial holding company providing universal banking, insurance, pensions, microfinance, and investment services primarily in Latin America, including Peru, Colombia, Bolivia, and expanding into the U.S. via a planned acquisition of Florida's Helm Bank. In recent market activity, BAP has shown robust momentum, with shares up 13.48% YTD and 85.88% over the past year, trading around $325 with a 52-week range of $165.51-$380.20. Sentiment has been bolstered by Q4 2025 earnings highlighting record net income, strong loan growth outlook, and an updated dividend policy maintaining a minimum 25% payout. Governance refreshes, including director nominees for the 2026 AGM, and digital platform expansions like Yape have supported positive price behavior amid favorable emerging market conditions.
C Overview and Recent Performance
Citigroup Inc. (C) is a global financial services giant operating in over 160 countries, with segments in services, markets, banking, U.S. personal banking, and wealth management. Recent weeks have seen mixed stock behavior for C, trading near $107 within a 52-week range of $55.51-$125.16, reflecting 7.67% YTD and 59.88% 1-year gains. Operational challenges from geopolitical tensions, including Middle East evacuations and denied exit rumors, have weighed on sentiment, offsetting innovations like digitally native structured notes. Q4 earnings showed revenue of $19.87B but an EPS miss, contributing to cautious market positioning amid broader sector volatility.
RF Overview and Recent Performance
Regions Financial Corp (RF) is a U.S.-focused financial holding company offering corporate, consumer banking, and wealth management services, primarily in the Southeast. In recent market activity, RF shares have traded around $25, with a 52-week range of $17.74-$31.53, posting 5.52% YTD and 23.35% 1-year returns. Q4 results featured $1.93B revenue but an EPS shortfall at $0.57 versus expectations, leading to share pressure amid regional banking headwinds. Leadership enhancements in commercial cards, fintech, and consumer products signal innovation efforts, influencing steady but tempered sentiment.
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Head-to-Head Comparison
BAP, C, and RF differ markedly in business models: BAP's integrated Latin American focus drives high ROE (19.12%) via microfinance and digital growth, contrasting C's global diversification across markets and services, and RF's regional U.S. emphasis on consumer and corporate banking. Growth drivers include BAP's loan expansion and acquisitions, C's innovation amid scale, and RF's fintech partnerships. Recent momentum favors BAP, while RF lags post-earnings. Risk factors encompass emerging market exposure for BAP, geopolitical issues for C, and U.S. regional pressures for RF. Valuation sensitivity is lowest for RF (P/E 10.87), with BAP (13.07) and C (15.12) higher; market sentiment tilts toward income via RF's 4.07% yield versus BAP's 3.38% and C's 2.20%.
Tickeron AI Verdict
Tickeron’s AI currently favors BAP due to superior trend consistency, highest ROE, strong recent earnings momentum, and positive relative positioning in emerging markets growth. While C benefits from scale and RF from yield, BAP's catalysts like digital expansion and acquisitions suggest a higher probability of outperformance in the near term, based on observable factors.
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).
BAP’s FA Score shows that 2 FA rating(s) are green whileC’s FA Score has 4 green FA rating(s), and RF’s FA Score reflects 2 green FA rating(s).
- BAP’s FA Score: 2 green, 3 red.
- C’s FA Score: 4 green, 1 red.
- RF’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.
BAP’s TA Score shows that 3 TA indicator(s) are bullish while C’s TA Score has 6 bullish TA indicator(s), and RF’s TA Score reflects 6 bullish TA indicator(s).
- BAP’s TA Score: 3 bullish, 6 bearish.
- C’s TA Score: 6 bullish, 4 bearish.
- RF’s TA Score: 6 bullish, 4 bearish.
Price Growth
BAP (@Regional Banks) experienced а -5.00% price change this week, while C (@Major Banks) price change was +6.26% , and RF (@Regional Banks) price fluctuated +2.29% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.58%. For the same industry, the average monthly price growth was +6.76%, and the average quarterly price growth was +20.92%.
The average weekly price growth across all stocks in the @Major Banks industry was +2.59%. For the same industry, the average monthly price growth was +8.32%, and the average quarterly price growth was +22.02%.
Reported Earning Dates
BAP is expected to report earnings on May 14, 2026.
C is expected to report earnings on Jul 14, 2026.
RF is expected to report earnings on Jul 17, 2026.
Industries' Descriptions
@Regional Banks (+1.58% 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.
@Major Banks (+2.59% 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.
| BAP | C | RF | |
| Capitalization | 26.3B | 225B | 24B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 15.659 | 13.865 | 4.799 |
| P/E Ratio | 13.17 | 16.34 | 11.67 |
| Revenue | 23.3B | 85.2B | 7.53B |
| Total Cash | N/A | 23.5B | 3.11B |
| Total Debt | 23.5B | 368B | 4.88B |
BAP | C | RF | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 66 | 24 | 30 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 76 Overvalued | 69 Overvalued | |
PROFIT vs RISK RATING 1..100 | 6 | 21 | 39 | |
SMR RATING 1..100 | 5 | 2 | 7 | |
PRICE GROWTH RATING 1..100 | 41 | 7 | 22 | |
P/E GROWTH RATING 1..100 | 34 | 18 | 38 | |
SEASONALITY SCORE 1..100 | 50 | n/a | 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.
RF's Valuation (69) in the Major Banks industry is in the same range as BAP (72) in the Regional Banks industry, and is in the same range as C (76) in the Financial Conglomerates industry. This means that RF's stock grew similarly to BAP’s and similarly to C’s over the last 12 months.
BAP's Profit vs Risk Rating (6) in the Regional Banks industry is in the same range as C (21) in the Financial Conglomerates industry, and is somewhat better than the same rating for RF (39) in the Major Banks industry. This means that BAP's stock grew similarly to C’s and somewhat faster than RF’s over the last 12 months.
C's SMR Rating (2) in the Financial Conglomerates industry is in the same range as BAP (5) in the Regional Banks industry, and is in the same range as RF (7) in the Major Banks industry. This means that C's stock grew similarly to BAP’s and similarly to RF’s over the last 12 months.
C's Price Growth Rating (7) in the Financial Conglomerates industry is in the same range as RF (22) in the Major Banks industry, and is somewhat better than the same rating for BAP (41) in the Regional Banks industry. This means that C's stock grew similarly to RF’s and somewhat faster than BAP’s over the last 12 months.
C's P/E Growth Rating (18) in the Financial Conglomerates industry is in the same range as BAP (34) in the Regional Banks industry, and is in the same range as RF (38) in the Major Banks industry. This means that C's stock grew similarly to BAP’s and similarly to RF’s over the last 12 months.
| BAP | C | RF | |
|---|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 56% | 2 days ago 64% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 67% | 2 days ago 63% |
| Momentum ODDS (%) | 2 days ago 61% | 2 days ago 70% | 2 days ago 64% |
| MACD ODDS (%) | 2 days ago 57% | 2 days ago 62% | 2 days ago 64% |
| TrendWeek ODDS (%) | 2 days ago 61% | 2 days ago 68% | 2 days ago 63% |
| TrendMonth ODDS (%) | 2 days ago 60% | 2 days ago 64% | 2 days ago 59% |
| Advances ODDS (%) | 10 days ago 69% | 4 days ago 65% | 2 days ago 62% |
| Declines ODDS (%) | 4 days ago 61% | 20 days ago 68% | 23 days ago 64% |
| BollingerBands ODDS (%) | 2 days ago 50% | 2 days ago 56% | 2 days ago 55% |
| Aroon ODDS (%) | 2 days ago 59% | 2 days ago 58% | 2 days ago 56% |
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