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C or JPM or VLY
Which Stock Would AI Choose? Citigroup (C) vs. JPMorgan Chase & Co. (JPM) vs. Valley National Bancorp (VLY) Stock Comparison
Key Takeaways
- C shows strong 1-year gains of 57.61% but trails YTD at -2.02%, reflecting volatile recent market activity amid restructuring efforts.
- JPM leads YTD with +8.85% and offers stability as the largest by market cap at $788B, supported by pristine credit quality and regulatory wins.
- VLY provides the highest dividend yield at 3.67% and YTD +6.90%, bolstered by recent share buybacks and earnings beats, though with higher regional risk exposure.
- Over recent weeks, C rebounded to $113.74, JPM at $292.40 amid dips, and VLY at $12.37 with volatility.
- Valuations favor VLY at PE 12.25, followed by JPM (14.60) and C (15.97), highlighting trade-offs in growth versus yield.
Introduction
This comparison examines C, JPM, and VLY—representing a global investment bank, the world's largest bank by market cap, and a regional community-focused lender. These stocks span the financial sector's spectrum, from diversified megabanks to nimble regionals, amid shifting interest rates and economic signals. Traders seeking momentum and relative performance insights, or investors eyeing dividends and valuation in recent market activity, will find value in their contrasts in scale, yield, and sensitivity to sector trends like credit quality and buybacks.
Citigroup Overview and Recent Performance
Citigroup Inc. (C), a global financial services giant, operates in consumer banking, institutional clients, and wealth management across diverse markets. In recent weeks, its stock has exhibited volatility, rebounding to $113.74 with a 1.88% daily gain amid broader market fluctuations. YTD performance stands at -2.02%, contrasting strong 1-year returns of 57.61%, driven by restructuring progress, stable credit metrics, and dividend growth focus. Sentiment has been influenced by analyst upgrades, like JP Morgan's Overweight rating with a $134 target, alongside broader banking sector dynamics such as interest rate expectations and energy deal pursuits. Key metrics include a $199B market cap, PE of 15.97, and 2.15% yield.
JPMorgan Chase & Co. Overview and Recent Performance
JPMorgan Chase & Co. (JPM), the largest U.S. bank by market cap at $788B, provides comprehensive services in consumer, commercial, investment banking, and asset management. Recent market activity saw shares close at $292.40, up 0.86%, following dips but with YTD strength at +8.85% and 1-year gains of 20.29%. Performance reflects pristine credit quality, regulatory capital relief freeing billions, and positive capital markets outlook. Influences include monitoring junior bankers for well-being and positioning in private credit amid volatility. Metrics feature a PE of 14.60 and 2.07% yield, with analysts like Wells Fargo maintaining Overweight at $350 target.
Valley National Bancorp Overview and Recent Performance
Valley National Bancorp (VLY), holding company for Valley National Bank, focuses on commercial, retail banking, and CRE lending in the Northeast and Florida. Shares traded around $12.37, with YTD +6.90% and 1-year +40.73%, supported by Q4 2025 earnings beats, loan growth to $50.1B, and NIM expansion to 3.17%. Recent weeks featured a new 25M share buyback through 2028 and steady $0.11 quarterly dividends, boosting sentiment despite sector headwinds. Analyst upgrades like Cantor Fitzgerald's Overweight with $16 target highlight value. Metrics: $6.9B market cap, PE 12.25, 3.67% yield.
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Head-to-Head Comparison
C and JPM offer megabank scale with global diversification, contrasting VLY's regional focus on CRE and deposits, heightening its sensitivity to local economies and rates. Growth drivers differ: JPM's capital markets and M&A edge versus C's restructuring catalysts and VLY's loan expansion. Recent momentum favors JPM YTD, but C excels 1-year; VLY shines in yield. Risks include VLY's CRE exposure versus megabanks' diversified buffers. Valuation sensitivity points to VLY's lower PE for value plays, while sentiment tilts to JPM's stability amid regulatory wins.
Tickeron AI Verdict
Tickeron’s AI currently favors JPM for its trend consistency, superior YTD positioning, balance sheet strength, and catalysts like capital relief in a stabilizing rate environment. While C offers momentum potential and VLY yield appeal, JPM's relative stability and scale provide higher probability of outperformance across scenarios.
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).
C’s FA Score shows that 4 FA rating(s) are green whileJPM’s FA Score has 3 green FA rating(s), and VLY’s FA Score reflects 1 green FA rating(s).
- C’s FA Score: 4 green, 1 red.
- JPM’s FA Score: 3 green, 2 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.
C’s TA Score shows that 6 TA indicator(s) are bullish while JPM’s TA Score has 4 bullish TA indicator(s), and VLY’s TA Score reflects 4 bullish TA indicator(s).
- C’s TA Score: 6 bullish, 4 bearish.
- JPM’s TA Score: 4 bullish, 6 bearish.
- VLY’s TA Score: 4 bullish, 6 bearish.
Price Growth
C (@Major Banks) experienced а +8.39% price change this week, while JPM (@Major Banks) price change was +5.88% , and VLY (@Regional Banks) price fluctuated +6.68% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +3.44%. For the same industry, the average monthly price growth was +3.14%, and the average quarterly price growth was +19.90%.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.92%. For the same industry, the average monthly price growth was +5.67%, and the average quarterly price growth was +19.36%.
Reported Earning Dates
C is expected to report earnings on Apr 14, 2026.
JPM is expected to report earnings on Apr 14, 2026.
VLY is expected to report earnings on Apr 23, 2026.
Industries' Descriptions
@Major Banks (+3.44% 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 (+2.92% 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.
| C | JPM | VLY | |
| Capitalization | 214B | 832B | 7.35B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 7.611 | -2.761 | 14.504 |
| P/E Ratio | 17.87 | 15.50 | 13.12 |
| Revenue | 85.2B | 182B | 2.03B |
| Total Cash | 23.5B | 21.7B | 376M |
| Total Debt | 368B | 500B | 3.34B |
C | JPM | VLY | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 25 | 23 | 22 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 80 Overvalued | 84 Overvalued | 47 Fair valued | |
PROFIT vs RISK RATING 1..100 | 25 | 15 | 79 | |
SMR RATING 1..100 | 2 | 1 | 11 | |
PRICE GROWTH RATING 1..100 | 10 | 49 | 42 | |
P/E GROWTH RATING 1..100 | 17 | 30 | 53 | |
SEASONALITY SCORE 1..100 | n/a | 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 somewhat better than the same rating for C (80) in the Financial Conglomerates industry, and is somewhat better than the same rating for JPM (84) in the Major Banks industry. This means that VLY's stock grew somewhat faster than C’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 in the same range as C (25) in the Financial Conglomerates industry, and is somewhat better than the same rating for VLY (79) in the Regional Banks industry. This means that JPM's stock grew similarly to C’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 C (2) in the Financial Conglomerates industry, and is in the same range as VLY (11) in the Regional Banks industry. This means that JPM's stock grew similarly to C’s and similarly to VLY’s over the last 12 months.
C's Price Growth Rating (10) in the Financial Conglomerates industry is in the same range as VLY (42) in the Regional Banks industry, and is somewhat better than the same rating for JPM (49) in the Major Banks industry. This means that C's stock grew similarly to VLY’s and somewhat faster than JPM’s over the last 12 months.
C's P/E Growth Rating (17) in the Financial Conglomerates industry is in the same range as JPM (30) in the Major Banks industry, and is somewhat better than the same rating for VLY (53) in the Regional Banks industry. This means that C's stock grew similarly to JPM’s and somewhat faster than VLY’s over the last 12 months.
| C | JPM | VLY | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 59% | 1 day ago 63% | 1 day ago 62% |
| Stochastic ODDS (%) | 1 day ago 55% | 1 day ago 53% | 1 day ago 71% |
| Momentum ODDS (%) | 1 day ago 65% | 1 day ago 59% | 1 day ago 72% |
| MACD ODDS (%) | 1 day ago 64% | 1 day ago 60% | 1 day ago 64% |
| TrendWeek ODDS (%) | 1 day ago 68% | 1 day ago 61% | 1 day ago 64% |
| TrendMonth ODDS (%) | 1 day ago 65% | 1 day ago 57% | 1 day ago 62% |
| Advances ODDS (%) | 1 day ago 65% | 1 day ago 59% | 1 day ago 62% |
| Declines ODDS (%) | 11 days ago 68% | 14 days ago 59% | 11 days ago 69% |
| BollingerBands ODDS (%) | 1 day ago 53% | 1 day ago 44% | 1 day ago 73% |
| Aroon ODDS (%) | 1 day ago 57% | 1 day ago 62% | 1 day ago 69% |
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C and
Correlation & Price change
A.I.dvisor indicates that over the last year, C has been closely correlated with BAC. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if C jumps, then BAC 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 89% 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% | +2.24% | ||
| FNB - VLY | 89% Closely correlated | +1.70% | ||
| ASB - VLY | 88% Closely correlated | +1.54% | ||
| WTFC - VLY | 87% Closely correlated | +1.35% | ||
| INDB - VLY | 87% Closely correlated | +1.40% | ||
| UBSI - VLY | 87% Closely correlated | +2.25% | ||
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