BAC vs TFC Stock Comparison: AI Score, Valuation, Performance and Upside
BAC and TFC are both large US banks, but one is a global universal bank and the other a regional one. Bank of America has nationwide deposits, wealth management, and capital markets revenue. Truist is concentrated in the growing Southeast, recently strengthened its capital by selling its insurance brokerage stake, and is working through the aftermath of a complicated merger.
Use this BAC vs TFC comparison to weigh diversification against a cleaner regional story. Bank of America offers multiple revenue engines but a complex balance sheet and regulatory constraints. Truist offers a simpler bank in attractive geographies with a much-improved capital position, set against a mixed execution record and commercial real estate scrutiny.
BAC holds the edge across 3 of 5 key metrics in this comparison. BAC has delivered stronger 1-year price return (+9.67% vs +3.86%), though TFC has the better forward P/E setup (10.11x vs 11.84x for BAC). On fundamentals, BAC is growing revenue faster (16.80%), while TFC maintains the higher operating margin (39.81%) — a classic growth-versus-profitability split. Analyst consensus implies similar upside for both: +10.07% for BAC and +9.78% for TFC.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want diversified exposure across consumer banking, wealth, and markets
- Value the scale and low cost of its deposit base
- Accept trading revenue volatility and the securities portfolio overhang
- Prefer a bank with nationwide reach over regional concentration
- Want regional bank exposure to fast-growing Southeast markets
- Value the stronger capital position after the insurance brokerage sale
- See scope for margin and expense improvement from a low base
- Accept commercial real estate risk and a mixed integration track record
| Metric | BAC | TFC |
|---|---|---|
| AI scorei | 53.3 | 41.5 |
| AI ranki | #297 | #929 |
| Latest closei | $56.70 | $47.66 |
| 1M returni | -8.89% | -5.94% |
| 6M returni | +20.72% | +7.03% |
| 1Y returni | +9.67% | +3.86% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | BAC | TFC |
|---|---|---|
| 1Y ago | $10.94K (+9.4%) started 2025-09-25 | $10.42K (+4.2%) started 2025-09-25 |
| 5Y ago | $15.75K (+57.5%) started 2021-09-27 | $11.72K (+17.2%) started 2021-09-27 |
| 10Y ago | $56.05K (+460.5%) started 2016-09-26 | $27.92K (+179.2%) started 2016-09-26 |
Hypothetical — past performance does not guarantee future results.
| Metric | BAC | TFC |
|---|---|---|
| Market capi | $438.38B | $61.61B |
| Trailing P/Ei | 14.48 | 11.59 |
| Forward P/Ei | 11.84 | 10.11 |
| Price/Salesi | 3.48 | 4.62 |
| EV/Revenuei | 3.37 | 4.72 |
| Analyst targeti | $69.00 | $55.36 |
| Target upsidei | +10.07% | +9.78% |
| Metric | BAC | TFC |
|---|---|---|
| Revenue growthi | 16.80% | 8.20% |
| Earnings growthi | 34.10% | 36.70% |
| EPS growthi | +34.10% | +36.70% |
| FCF margini | N/A | N/A |
| Operating margini | 38.30% | 39.81% |
| Profit margini | 29.52% | 30.69% |
| ROIC proxyi | 11.20% | 9.06% |
| Return on equityi | 11.20% | 9.06% |
| Dividend yieldi | 2.04% | 4.14% |
| Payout ratioi | 25.87% | 47.82% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 1.16 | 0.87 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, BAC and TFC have moved moderately in the same direction (correlation of 0.69), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | BAC | TFC |
|---|---|---|---|
| 1Y | Growthi | +9.35% | +4.20% |
| CAGRi | +9.37% | +4.20% | |
| Volatilityi | 22.19% | 24.36% | |
| Sharpe ratioi | 0.31 | 0.11 | |
| Sortino ratioi | 0.42 | 0.14 | |
| Max drawdowni | 18.39% | 21.47% | |
| Current drawdowni | 12.51% | 14.60% | |
| Avg drawdowni | 5.41% | 7.69% | |
| Ulcer Indexi | 7.43% | 9.56% | |
| Max daily dropi | 5.14% | 6.16% | |
| Max wkly dropi | 7.91% | 8.48% | |
| 5Y | Growthi | +43.40% | -4.52% |
| CAGRi | +7.48% | -0.92% | |
| Volatilityi | 26.58% | 31.60% | |
| Sharpe ratioi | 0.24 | -0.01 | |
| Sortino ratioi | 0.34 | -0.02 | |
| Max drawdowni | 46.64% | 59.11% | |
| Current drawdowni | 12.51% | 15.43% | |
| Avg drawdowni | 17.50% | 26.59% | |
| Ulcer Indexi | 22.36% | 30.18% | |
| Max daily dropi | 11.06% | 16.99% | |
| Max wkly dropi | 16.63% | 30.13% | |
| 10Y | Growthi | +354.70% | +83.13% |
| CAGRi | +16.36% | +6.24% | |
| Volatilityi | 30.48% | 33.64% | |
| Sharpe ratioi | 0.50 | 0.22 | |
| Sortino ratioi | 0.73 | 0.30 | |
| Max drawdowni | 48.95% | 59.11% | |
| Current drawdowni | 12.51% | 15.43% | |
| Avg drawdowni | 13.81% | 18.29% | |
| Ulcer Indexi | 18.83% | 23.68% | |
| Max daily dropi | 15.40% | 19.10% | |
| Max wkly dropi | 24.86% | 30.70% |
| Category | BAC | TFC |
|---|---|---|
| Company | Bank of America Corporation | Truist Financial Corporation |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Banks - Regional |
| Core business | Universal bank spanning consumer banking, wealth and investment management, global banking, and global markets, with one of the largest US deposit franchises. | Large regional bank formed by the merger of BB&T and SunTrust, focused on the US Southeast and Mid-Atlantic, offering consumer and commercial banking, wealth management, and capital markets services to middle-market clients. |
| Investor focus | Net interest income, deposit costs, capital markets revenue, credit costs, regulatory capital, and buyback capacity. | Net interest margin recovery, expense reduction progress, capital ratios after the insurance brokerage sale, commercial real estate credit, and buybacks. |
- Vast low-cost deposit base underpinning funding costs
- Revenue diversified across lending, wealth management, and capital markets
- Technology scale and nationwide brand presence
- Concentrated in Southeast markets with favourable population and business growth
- Sale of its insurance brokerage stake substantially strengthened capital
- Used that capital to reposition its securities portfolio and repurchase shares
- Securities portfolio unrealised losses limit balance sheet flexibility
- Trading and investment banking revenue swings with market conditions
- Capital rules constrain shareholder returns
- The merger integration was difficult and costly, denting management credibility
- Commercial real estate exposure remains a focus of investor and regulator attention
- Divesting the insurance business removed a stable, high-quality fee revenue stream
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