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HBAN or JPM or VLY
Which Stock Would AI Choose? Huntington Bancshares (HBAN) vs. JPMorgan Chase (JPM) vs. Valley National Bancorp (VLY) Stock Comparison
Key Takeaways
- HBAN has delivered strong YTD returns of approximately 11%, outperforming peers amid regional banking recovery and positive analyst updates.
- JPM, the largest by market cap, shows robust long-term performance with 19% one-year returns but faces recent YTD pressure around 11% amid broader market volatility.
- VLY leads in one-year gains at over 40%, supported by solid Q4 earnings, loan growth to $50B, and deposit expansion, though YTD lags at 3%.
- All three exhibit attractive valuations with PE ratios under 15, high dividend yields (3-4%), and resilience in net interest margins (NIM) during recent market activity.
- Recent earnings beats across the board highlight improving credit quality and efficiency, with VLY posting ROTCE (return on tangible common equity) of 14%.
- Sector tailwinds from higher rates favor diversified JPM, while regional players like HBAN and VLY benefit from localized growth.
Introduction
This comparison examines HBAN, JPM, and VLY, representing a mix of regional and money-center banking giants. Investors and traders tracking the financial sector may find value in contrasting their business scales, performance amid interest rate shifts, and responses to economic pressures like deposit competition and loan demand. With recent quarterly results showing earnings resilience and margin expansion, this analysis highlights relative strengths in valuation, momentum, and market positioning for informed stock comparison decisions.
HBAN Overview and Recent Performance
Huntington Bancshares (HBAN) is a $225 billion regional bank holding company focused on commercial, consumer, and wealth management services primarily in the Midwest and Southeast. In recent market activity, shares have advanced with YTD gains around 11%, trading near $15.20 within a 52-week range of $11.92-$19.46. Q4 2025 results featured net income of $476 million on $2.19 billion revenue, with EPS at $0.30. Sentiment has improved on analyst upgrades, including Baird's fresh pick and a $20.50 average price target, driven by organic growth, share repurchases, and controlled credit costs despite integration from expansions. Higher NIM and deposit stability have supported outperformance versus broader indices.
JPM Overview and Recent Performance
JPMorgan Chase (JPM) operates as a global financial powerhouse with $770 billion market cap, spanning consumer banking, investment banking, and asset management. Recent weeks saw shares around $286 in a 52-week span of $202-$337, with YTD returns near 11% amid volatility from bond yields and economic signals. Q4 2025 delivered $12.69 billion net income on $45.8 billion revenue, EPS $4.63, and ROTCE of 18%, bolstered by trading strength and payments growth. Initiatives like $80 billion in small business lending signal expansion, with analysts favoring it via $340 targets and overweight ratings, though macro repricing has tempered short-term momentum.
VLY Overview and Recent Performance
Valley National Bancorp (VLY) holds $62 billion in assets as a regional lender emphasizing commercial real estate, C&I loans, and deposits in the Northeast. Shares trade near $11.90, up over 40% in the past year but YTD at 3%, within $7.48-$13.87 range. Q4 2025 netted $195 million ($0.33 EPS), revenue $541 million, NIM 3.17%, ROTCE 14%, loans at $50.1 billion, deposits $52.2 billion. Positive credit metrics, including 1.19% allowance for loan losses, and efficiency at 53% have fueled gains, with $14.89 targets and overweight calls amid share buybacks and community lending focus.
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Head-to-Head Comparison
HBAN and VLY emphasize regional commercial lending with higher dividend yields (4.1% and 3.7%), contrasting JPM’s diversified global model including investment banking (2.1% yield). Growth drivers differ: VLY shows superior one-year momentum from loan/deposit expansion, while JPM leverages scale for superior ROTCE (18%) and CET1 (common equity tier 1 capital, a key regulatory buffer). Valuation sensitivity favors regionals at PE 11x, versus JPM’s 14x, amid rate sensitivity boosting NIM. Risks include CRE exposure for regionals versus JPM’s broader revenue streams; sentiment tilts to JPM for stability, but HBAN/VLY offer value trade-offs in recovery plays.
Tickeron AI Verdict
Tickeron’s AI currently leans toward JPM for its trend consistency, superior ROTCE, and catalysts like lending expansions amid stable CET1 positioning. While VLY’s momentum and HBAN’s YTD edge appeal probabilistically in regional rallies, JPM’s diversification enhances relative stability in volatile conditions.
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).
HBAN’s FA Score shows that 1 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).
- HBAN’s FA Score: 1 green, 4 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.
HBAN’s TA Score shows that 4 TA indicator(s) are bullish while JPM’s TA Score has 5 bullish TA indicator(s), and VLY’s TA Score reflects 4 bullish TA indicator(s).
- HBAN’s TA Score: 4 bullish, 5 bearish.
- JPM’s TA Score: 5 bullish, 5 bearish.
- VLY’s TA Score: 4 bullish, 6 bearish.
Price Growth
HBAN (@Regional Banks) experienced а +3.74% price change this week, while JPM (@Major Banks) price change was +5.72% , and VLY (@Regional Banks) price fluctuated +5.15% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.59%. For the same industry, the average monthly price growth was +3.81%, and the average quarterly price growth was +18.99%.
The average weekly price growth across all stocks in the @Major Banks industry was +4.00%. For the same industry, the average monthly price growth was +4.14%, and the average quarterly price growth was +20.50%.
Reported Earning Dates
HBAN is expected to report earnings on Apr 23, 2026.
JPM is expected to report earnings on Apr 14, 2026.
VLY is expected to report earnings on Apr 23, 2026.
Industries' Descriptions
@Regional Banks (+2.59% 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 (+4.00% 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.
| HBAN | JPM | VLY | |
| Capitalization | 33.4B | 831B | 7.24B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | -4.630 | -2.905 | 12.862 |
| P/E Ratio | 11.78 | 15.48 | 12.93 |
| Revenue | 8.13B | 182B | 2.03B |
| Total Cash | 1.78B | 21.7B | 376M |
| Total Debt | 18.5B | 500B | 3.34B |
HBAN | JPM | VLY | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 11 | 24 | 20 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 84 Overvalued | 45 Fair valued | |
PROFIT vs RISK RATING 1..100 | 68 | 15 | 80 | |
SMR RATING 1..100 | 7 | 1 | 11 | |
PRICE GROWTH RATING 1..100 | 51 | 49 | 41 | |
P/E GROWTH RATING 1..100 | 48 | 30 | 48 | |
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 (45) in the Regional Banks industry is in the same range as HBAN (72) in the Regional 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 HBAN’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 HBAN (68) in the Regional Banks industry, and is somewhat better than the same rating for VLY (80) in the Regional Banks industry. This means that JPM's stock grew somewhat faster than HBAN’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 HBAN (7) in the Regional 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 HBAN’s and similarly to VLY’s over the last 12 months.
VLY's Price Growth Rating (41) in the Regional Banks industry is in the same range as JPM (49) in the Major Banks industry, and is in the same range as HBAN (51) in the Regional Banks industry. This means that VLY's stock grew similarly to JPM’s and similarly to HBAN’s over the last 12 months.
JPM's P/E Growth Rating (30) in the Major Banks industry is in the same range as VLY (48) in the Regional Banks industry, and is in the same range as HBAN (48) in the Regional Banks industry. This means that JPM's stock grew similarly to VLY’s and similarly to HBAN’s over the last 12 months.
| HBAN | JPM | VLY | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 89% | 1 day ago 60% | 1 day ago 62% |
| Stochastic ODDS (%) | 1 day ago 51% | 1 day ago 55% | 1 day ago 68% |
| Momentum ODDS (%) | 1 day ago 61% | 1 day ago 59% | 1 day ago 69% |
| MACD ODDS (%) | 1 day ago 65% | 1 day ago 62% | 1 day ago 75% |
| TrendWeek ODDS (%) | 1 day ago 61% | 1 day ago 61% | 1 day ago 64% |
| TrendMonth ODDS (%) | 1 day ago 58% | 1 day ago 57% | 1 day ago 63% |
| Advances ODDS (%) | 3 days ago 62% | 3 days ago 59% | 3 days ago 62% |
| Declines ODDS (%) | 13 days ago 62% | 16 days ago 59% | 13 days ago 69% |
| BollingerBands ODDS (%) | 1 day ago 60% | 1 day ago 42% | 1 day ago 68% |
| Aroon ODDS (%) | 1 day ago 49% | 1 day ago 53% | 1 day ago 68% |
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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.