BAC vs USB Stock Comparison: AI Score, Valuation, Performance and Upside
BAC and USB are both large, deposit-funded US banks, differing in scope. Bank of America is a universal bank with trading, investment banking, and a very large wealth management arm alongside consumer banking. U.S. Bancorp is the biggest regional bank, notable for payments businesses that give it more fee revenue than most peers its size, without capital markets exposure.
Use this BAC vs USB comparison to decide which fee revenue you prefer. Bank of America's non-interest income leans on wealth management and capital markets, the latter of which is volatile. U.S. Bancorp's leans on payments, which is steadier but faces persistent competitive pressure on pricing from fintech specialists.
USB holds the edge across 4 of 5 key metrics in this comparison. USB leads on both 1-year return (+20.64%) and forward P/E quality (10.79x vs 11.84x for BAC), a relatively favorable combination of momentum and valuation. On fundamentals, BAC is growing revenue faster (16.80%), while USB maintains the higher operating margin (39.65%) — a classic growth-versus-profitability split. Analyst consensus implies similar upside for both: +10.07% for BAC and +12.56% for USB.
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 scale exposure to US consumer banking plus wealth management and markets
- Value an exceptionally large low-cost deposit franchise
- Accept capital markets revenue volatility
- Are comfortable with the securities portfolio overhang while rates remain elevated
- Want a regional bank with an unusually strong payments and fee revenue mix
- Value a long record of disciplined underwriting and solid returns
- Prefer avoiding trading revenue volatility
- Accept commercial real estate scrutiny and payments competition
| Metric | BAC | USB |
|---|---|---|
| AI scorei | 53.3 | 42.3 |
| AI ranki | #297 | #864 |
| Latest closei | $56.70 | $59.33 |
| 1M returni | -8.89% | -5.53% |
| 6M returni | +20.72% | +16.68% |
| 1Y returni | +9.67% | +20.64% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | BAC | USB |
|---|---|---|
| 1Y ago | $10.94K (+9.4%) started 2025-09-25 | $12.1K (+21.0%) started 2025-09-25 |
| 5Y ago | $15.75K (+57.5%) started 2021-09-27 | $13.76K (+37.6%) started 2021-09-27 |
| 10Y ago | $56.05K (+460.5%) started 2016-09-26 | $27.8K (+178.0%) started 2016-09-26 |
Hypothetical — past performance does not guarantee future results.
| Metric | BAC | USB |
|---|---|---|
| Market capi | $438.38B | $97.33B |
| Trailing P/Ei | 14.48 | 12.47 |
| Forward P/Ei | 11.84 | 10.79 |
| Price/Salesi | 3.48 | 2.75 |
| EV/Revenuei | 3.37 | 4.90 |
| Analyst targeti | $69.00 | $70.32 |
| Target upsidei | +10.07% | +12.56% |
| Metric | BAC | USB |
|---|---|---|
| Revenue growthi | 16.80% | 10.40% |
| Earnings growthi | 34.10% | 21.60% |
| EPS growthi | +34.10% | +21.60% |
| FCF margini | N/A | N/A |
| Operating margini | 38.30% | 39.65% |
| Profit margini | 29.52% | 29.90% |
| ROIC proxyi | 11.20% | 12.62% |
| Return on equityi | 11.20% | 12.62% |
| Dividend yieldi | 2.04% | 3.33% |
| Payout ratioi | 25.87% | 41.52% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 1.16 | 0.98 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, BAC and USB have moved strongly in the same direction (correlation of 0.72), 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 | USB |
|---|---|---|---|
| 1Y | Growthi | +9.35% | +21.01% |
| CAGRi | +9.37% | +21.04% | |
| Volatilityi | 22.19% | 22.45% | |
| Sharpe ratioi | 0.31 | 0.77 | |
| Sortino ratioi | 0.42 | 1.07 | |
| Max drawdowni | 18.39% | 16.21% | |
| Current drawdowni | 12.51% | 9.31% | |
| Avg drawdowni | 5.41% | 5.10% | |
| Ulcer Indexi | 7.43% | 6.79% | |
| Max daily dropi | 5.14% | 4.86% | |
| Max wkly dropi | 7.91% | 6.82% | |
| 5Y | Growthi | +43.40% | +14.88% |
| CAGRi | +7.48% | +2.82% | |
| Volatilityi | 26.58% | 29.53% | |
| Sharpe ratioi | 0.24 | 0.09 | |
| Sortino ratioi | 0.34 | 0.13 | |
| Max drawdowni | 46.64% | 52.13% | |
| Current drawdowni | 12.51% | 9.31% | |
| Avg drawdowni | 17.50% | 20.22% | |
| Ulcer Indexi | 22.36% | 23.87% | |
| Max daily dropi | 11.06% | 10.04% | |
| Max wkly dropi | 16.63% | 22.45% | |
| 10Y | Growthi | +354.70% | +91.97% |
| CAGRi | +16.36% | +6.74% | |
| Volatilityi | 30.48% | 30.36% | |
| Sharpe ratioi | 0.50 | 0.22 | |
| Sortino ratioi | 0.73 | 0.31 | |
| Max drawdowni | 48.95% | 52.13% | |
| Current drawdowni | 12.51% | 9.31% | |
| Avg drawdowni | 13.81% | 15.88% | |
| Ulcer Indexi | 18.83% | 20.59% | |
| Max daily dropi | 15.40% | 14.44% | |
| Max wkly dropi | 24.86% | 27.80% |
| Category | BAC | USB |
|---|---|---|
| Company | Bank of America Corporation | U.S. Bancorp |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Banks - Regional |
| Core business | Universal bank with consumer banking, global wealth and investment management through Merrill and private banking, global banking, and global markets. Holds one of the largest deposit bases in the United States. | Largest US regional bank by assets, combining traditional consumer and commercial banking with unusually large payments businesses spanning merchant acquiring, corporate payment systems, and card issuing, plus trust and investment services. |
| Investor focus | Net interest income trajectory, deposit costs and mix, trading and investment banking revenue, credit costs, capital requirements, and buybacks. | Fee revenue growth especially in payments, net interest margin, expense discipline after integration work, credit quality, and capital ratios. |
- Enormous low-cost deposit franchise built on a nationwide consumer relationship base
- Wealth management and markets businesses diversify revenue beyond lending
- Scale in technology spending that smaller banks cannot match
- Payments businesses give it a higher fee revenue share than most banks of its size
- Long record of above-peer returns on capital and disciplined underwriting
- Diversified commercial and consumer loan book with strong trust and custody operations
- Large securities portfolio carries unrealised losses that constrain flexibility while rates stay elevated
- Capital markets revenue is volatile and depends on deal and trading activity
- Regulatory capital requirements limit how much can be returned to shareholders
- Commercial real estate exposure is a persistent area of scrutiny for regional banks
- Payments competition from fintech specialists pressures merchant acquiring economics
- Lacks the capital markets diversification of the largest banks
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