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JPM or PNC or VLY
Which Stock Would AI Choose? JPMorgan Chase (JPM) vs. PNC Financial Services (PNC) vs. Valley National Bancorp (VLY) Stock Comparison
Key Takeaways
- JPM demonstrates superior stability with a market cap exceeding $796 billion and recent recovery to around $295, outperforming peers in diversification across consumer, investment banking, and asset management.
- PNC trades near $206 amid a 12% pullback in recent weeks, supported by strong Q4 revenue growth of 9% YoY and a 3.3% dividend yield, positioning it for potential rebound.
- VLY leads 1-year returns at over 40% with shares around $12.30 and a new 25 million share buyback, though it exhibits higher volatility as a regional player.
- All three banks show resilience in recent market activity, with JPM and VLY posting positive YTD gains of approximately 8% and 6%, respectively, versus PNC's flat performance.
- Dividend yields favor regional banks: PNC at 3.3%, VLY at 3.6%, compared to JPM's 2.1%.
- Recent sentiment reflects sector pressures from interest rates, but buybacks and earnings beats signal confidence across the board.
Introduction
This stock comparison examines JPM, PNC, and VLY, representing a spectrum from global megabank to regional players in the U.S. banking sector. Investors seeking exposure to financials may weigh JPM's scale against the higher yields and growth potential of PNC and VLY. Traders focused on relative performance will find value in analyzing recent momentum amid shifting interest rates and economic signals. This analysis highlights key metrics for informed decision-making in today's market environment.
JPM Overview and Recent Performance
JPMorgan Chase & Co., the largest U.S. bank by market cap at over $796 billion, operates a diversified platform spanning consumer banking, investment banking, commercial services, and asset management. In recent market activity, shares have traded around $295, rebounding from dips near $283 amid broader sector volatility. This recovery reflects resilient net interest income and positive analyst updates, including overweight ratings with targets up to $350. Sentiment has been bolstered by strategic moves like funding programs for small businesses and hires in investment banking, offsetting YTD pressures. Over the past year, JPM delivered approximately 20% returns, underscoring its defensive positioning.
PNC Overview and Recent Performance
The PNC Financial Services Group, Inc., a major regional bank with $560 billion in assets, focuses on retail banking, corporate services, and asset management primarily in the Midwest and Southeast. Shares have faced recent weeks' declines to around $206, down 12% from peaks near $244, amid broader banking headlines. Despite this, Q4 2025 results showed record $6.1 billion revenue, up 9% YoY, with EPS beating estimates at $4.88, driving initial gains. Analyst optimism persists with targets averaging $251 and a 3.3% yield, supported by loan growth and deposit stability. Over one year, PNC achieved about 21% returns, highlighting its appeal for income-focused investors.
VLY Overview and Recent Performance
Valley National Bancorp (VLY), a $57 billion regional bank centered in the Northeast, emphasizes commercial lending, retail banking, and wealth management. Trading near $12.30, shares have shown resilience with YTD gains around 6% and 1-year returns exceeding 40%, outpacing the S&P 500. Recent developments include a new 25 million share buyback authorization and steady dividends at 3.6% yield, enhancing shareholder returns. Q4 earnings featured higher net interest income, contributing to a 3.3% post-report rally. While more volatile than peers, VLY's momentum reflects strong regional demand and analyst targets up to $16.
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Head-to-Head Comparison
JPM leads in business model scale and global diversification, reducing sector-specific risks compared to PNC and VLY's regional lending focus. Growth drivers differ: JPM benefits from investment banking rebounds, while PNC and VLY leverage deposit growth and buybacks. Recent momentum favors VLY (40% 1Y return) over JPM and PNC (20% each), but with elevated volatility. Risk factors include interest rate sensitivity, higher for regionals; JPM offers lower beta. Valuation shows PNC and VLY at P/E ~12 versus JPM's 14.75, with superior yields. Market sentiment tilts toward JPM's stability amid economic uncertainty.
Tickeron AI Verdict
Tickeron’s AI currently favors JPM for its trend consistency, vast diversification, and relative positioning above key supports near $283. While VLY shows stronger momentum and PNC attractive valuation, JPM's catalysts like NII resilience and analyst upgrades suggest higher probability of outperformance 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 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).
JPM’s FA Score shows that 2 FA rating(s) are green whilePNC’s FA Score has 2 green FA rating(s), and VLY’s FA Score reflects 1 green FA rating(s).
- JPM’s FA Score: 2 green, 3 red.
- PNC’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.
JPM’s TA Score shows that 6 TA indicator(s) are bullish while PNC’s TA Score has 6 bullish TA indicator(s), and VLY’s TA Score reflects 6 bullish TA indicator(s).
- JPM’s TA Score: 6 bullish, 5 bearish.
- PNC’s TA Score: 6 bullish, 4 bearish.
- VLY’s TA Score: 6 bullish, 4 bearish.
Price Growth
JPM (@Major Banks) experienced а +0.14% price change this week, while PNC (@Regional Banks) price change was +2.45% , and VLY (@Regional Banks) price fluctuated +3.52% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +1.65%. For the same industry, the average monthly price growth was +9.79%, and the average quarterly price growth was +21.30%.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.39%. For the same industry, the average monthly price growth was +6.91%, and the average quarterly price growth was +19.69%.
Reported Earning Dates
JPM is expected to report earnings on Jul 14, 2026.
PNC is expected to report earnings on Jul 15, 2026.
VLY is expected to report earnings on Apr 23, 2026.
Industries' Descriptions
@Major Banks (+1.65% 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 (+1.39% 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.
| JPM | PNC | VLY | |
| Capitalization | 849B | 91.3B | 7.53B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | -2.773 | 10.444 | 17.442 |
| P/E Ratio | 15.17 | 13.19 | 13.46 |
| Revenue | 182B | 23.1B | 2.03B |
| Total Cash | 21.7B | 6.78B | 376M |
| Total Debt | 500B | 57.1B | 3.34B |
JPM | PNC | VLY | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 84 Overvalued | 77 Overvalued | 47 Fair valued | |
PROFIT vs RISK RATING 1..100 | 15 | 53 | 75 | |
SMR RATING 1..100 | 1 | 5 | 11 | |
PRICE GROWTH RATING 1..100 | 48 | 18 | 40 | |
P/E GROWTH RATING 1..100 | 34 | 41 | 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 PNC (77) 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 PNC’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 PNC (53) in the Major Banks industry, and is somewhat better than the same rating for VLY (75) in the Regional Banks industry. This means that JPM's stock grew somewhat faster than PNC’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 PNC (5) 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 PNC’s and similarly to VLY’s over the last 12 months.
PNC's Price Growth Rating (18) 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 PNC'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 PNC (41) 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 PNC’s and similarly to VLY’s over the last 12 months.
| JPM | PNC | VLY | |
|---|---|---|---|
| RSI ODDS (%) | 4 days ago 56% | 4 days ago 58% | 4 days ago 59% |
| Stochastic ODDS (%) | 4 days ago 56% | 4 days ago 62% | 4 days ago 59% |
| Momentum ODDS (%) | 4 days ago 69% | 4 days ago 64% | 4 days ago 71% |
| MACD ODDS (%) | 4 days ago 64% | 4 days ago 56% | 4 days ago 66% |
| TrendWeek ODDS (%) | 4 days ago 61% | 4 days ago 55% | 4 days ago 64% |
| TrendMonth ODDS (%) | 4 days ago 57% | 4 days ago 51% | 4 days ago 63% |
| Advances ODDS (%) | 4 days ago 59% | 12 days ago 55% | 12 days ago 62% |
| Declines ODDS (%) | 6 days ago 59% | 22 days ago 62% | 22 days ago 69% |
| BollingerBands ODDS (%) | 4 days ago 46% | 4 days ago 65% | 4 days ago 68% |
| Aroon ODDS (%) | 4 days ago 53% | 4 days ago 47% | 4 days 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.
PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with CFG. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then CFG 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 87% 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% | +0.52% | ||
| FNB - VLY | 87% Closely correlated | -0.61% | ||
| CFG - VLY | 86% Closely correlated | +2.03% | ||
| FULT - VLY | 85% Closely correlated | +0.59% | ||
| WTFC - VLY | 85% Closely correlated | +0.50% | ||
| ASB - VLY | 85% Closely correlated | +0.78% | ||
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