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BAC
Bank of America Corporation · Banking
$53.63
+4.52% this month
VERSUS
⟷
COMPARE
WFC
Wells Fargo & Company · Banking
$80.96
+7.03% this month
AI Score
53.2vs42.0
BAC ↑1Y Return
+19.26%vs+6.07%
BAC ↑Forward P/E
10.66xvs10.37x
WFC ↑Target Upside
+17.33%vs+17.30%
BAC ↑Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
BAC
4
WFC
1
Metrics last refreshed: 6/9/2026
Quick take
BAC vs WFC: Bank of America vs Wells Fargo Stock Comparison: AI Score, Valuation, Performance and Upside
Bank of America and Wells Fargo are both large US retail banks, but in very different positions. BAC is a diversified operation with a strong wealth management franchise but high rate sensitivity; WFC is a turnaround story anchored by the potential asset cap removal that could unlock significant earnings power and allow it to compete on equal footing with peers.
Use this BAC vs WFC comparison to choose between a high-quality bank with wealth management diversification and a turnaround bank with a specific catalyst. BAC rewards patient investors with NII recovery and Merrill Lynch compounding; WFC's upside is more asymmetric if the Fed removes the asset cap and management executes on fee revenue growth.
Live analysis · updated 6/9/2026
BAC holds the edge across 4 of 5 key metrics in this comparison. BAC has delivered stronger 1-year price return (+19.26% vs +6.07%), though WFC trades at the lower forward P/E (10.37x vs 10.66x). BAC leads on both revenue growth (8.10%) and operating margin (35.96%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies similar upside for both: +17.33% for BAC and +17.30% for WFC.
Comparison scoreboard
BAC LEADS 4/5AI Score
BAC ✓53.2
WFC 42.0
1Y Return
BAC ✓+19.26%
WFC +6.07%
Fwd P/E
BAC 10.66
WFC ✓10.37
Target Up.
BAC ✓+17.33%
WFC +17.30%
Op. Margin
BAC ✓35.96%
WFC 29.45%
Normalized 1Y performance
BAC
WFC
Recent returns
BAC
WFC
Analyst price targets & sentiment
BAC · 24 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.5/5.0)
Price target range
analyst low$42.00
analyst mean$63.16
current price$53.63
+17.3% upside to analyst mean
WFC · 22 analysts
STRONG BUYHOLDSTRONG SELL
Buy (2.0/5.0)
Price target range
analyst low$65.00
analyst mean$96.11
current price$80.96
+17.3% upside to analyst mean
Who should consider this stock?
BAC may suit investors who:
- →Want a large US bank with a strong wealth management franchise via Merrill Lynch
- →Value BAC's rate sensitivity as an earnings catalyst in a stable or rising interest rate environment
- →Prefer digital banking scale and efficiency as a long-term structural cost advantage
- →Are comfortable with the held-to-maturity bond portfolio overhang as a manageable, temporary headwind
WFC may suit investors who:
- →Want US bank exposure with a specific catalyst — asset cap removal unlocking below-potential balance sheet growth
- →Value investment banking fee revenue expansion as a new earnings layer Wells Fargo is building
- →Prefer a turnaround story trading at a relative valuation discount to peers with more upside optionality
- →Believe Wells Fargo's regulatory remediation is progressing and the asset cap removal is a matter of when, not if
Performance & AI score
| Metric | BAC | WFC |
|---|---|---|
| AI score | 53.2 | 42.0 |
| AI rank | #326 | #913 |
| Latest close | $53.63 | $80.96 |
| 1M return | +4.52% | +7.03% |
| 6M return | -0.59% | -9.87% |
| 1Y return | +19.26% | +6.07% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | BAC | WFC |
|---|---|---|
| 1Y ago | $11.95K (+19.5%) started 2025-06-09 | $10.59K (+5.9%) started 2025-06-09 |
| 5Y ago | $15.39K (+53.9%) started 2021-06-09 | $21.59K (+115.9%) started 2021-06-09 |
| 10Y ago | $56.96K (+469.6%) started 2016-06-09 | $28.43K (+184.3%) started 2016-06-09 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | BAC | WFC |
|---|---|---|
| Market cap | $382.01B | $250.75B |
| Trailing P/E | 13.36 | 12.66 |
| Forward P/E | 10.66 | 10.37 |
| Price/Sales | 3.48 | 3.22 |
| EV/Revenue | 3.25 | 3.40 |
| Analyst target | $63.16 | $96.11 |
| Target upside | +17.33% | +17.30% |
Growth, profitability & risk
| Metric | BAC | WFC |
|---|---|---|
| Revenue growth | 8.10% | 5.70% |
| Earnings growth | 24.40% | 15.10% |
| EPS growth | +24.40% | +15.10% |
| FCF margin | N/A | N/A |
| Operating margin | 35.96% | 29.45% |
| Profit margin | 28.96% | 26.74% |
| ROIC proxy | 10.64% | 12.03% |
| Return on equity | 10.64% | 12.03% |
| Dividend yield | 2.08% | 2.20% |
| Beta | 1.20 | 0.93 |
| Debt/equity | N/A | N/A |
| Current ratio | N/A | N/A |
| Quick ratio | N/A | N/A |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
BAC max drawdown18.39%
WFC max drawdown23.83%
BAC max wkly drop7.04%
WFC max wkly drop8.74%
5Y risk snapshot
BAC max drawdown46.64%
WFC max drawdown37.10%
BAC max wkly drop16.63%
WFC max wkly drop17.68%
10Y risk snapshot
BAC max drawdown48.95%
WFC max drawdown64.46%
BAC max wkly drop24.86%
WFC max wkly drop30.08%
Performance metrics by period
| Period | Metric | BAC | WFC |
|---|---|---|---|
| 1Y | Growth | +19.52% | +5.89% |
| CAGR | +19.61% | +5.91% | |
| Sharpe ratio | 0.73 | 0.18 | |
| Max drawdown | 18.39% | 23.83% | |
| Max daily drop | 4.72% | 5.70% | |
| Max wkly drop | 7.04% | 8.74% | |
| 5Y | Growth | +39.36% | +94.60% |
| CAGR | +6.87% | +14.25% | |
| Sharpe ratio | 0.22 | 0.44 | |
| Max drawdown | 46.64% | 37.10% | |
| Max daily drop | 11.06% | 9.12% | |
| Max wkly drop | 16.63% | 17.68% | |
| 10Y | Growth | +359.49% | +112.80% |
| CAGR | +16.48% | +7.85% | |
| Sharpe ratio | 0.51 | 0.26 | |
| Max drawdown | 48.95% | 64.46% | |
| Max daily drop | 15.40% | 15.87% | |
| Max wkly drop | 24.86% | 30.08% |
Business comparison
| Category | BAC | WFC |
|---|---|---|
| Company | Bank of America Corporation | Wells Fargo & Company |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Banks - Diversified |
| Core business | Second-largest US bank by assets. Operates Consumer Banking, Global Wealth & Investment Management (Merrill Lynch), Global Banking, and Global Markets. Highly rate-sensitive balance sheet with one of the largest retail deposit bases in the US. | Fourth-largest US bank. Operates Consumer Banking & Lending, Commercial Banking, Corporate & Investment Banking, and Wealth & Investment Management. Subject to a Federal Reserve asset cap since 2018 following the fake accounts scandal. |
| Investor focus | NII recovery as deposit repricing normalises, Merrill Lynch wealth management growth, digital banking scale, credit quality, and operating leverage. | Asset cap removal timeline and fee revenue expansion once freed, operating efficiency improvement, investment banking growth, and capital return via buybacks. |
BAC strengths
- →Merrill Lynch provides a large, recurring wealth management revenue stream with strong client retention
- →Erica digital assistant and mobile banking adoption reduce cost-to-serve while deepening customer relationships
- →Rate sensitivity means NII is a powerful earnings lever — BAC benefits significantly when rates stabilise at elevated levels
WFC strengths
- →Potential asset cap removal is a significant re-rating catalyst — lifting the cap would allow Wells Fargo to grow its balance sheet and compete more fully
- →Investment banking franchise has been rebuilt and is gaining market share from a below-potential base
- →Strong capital ratio allows for meaningful buyback execution that reduces share count and supports EPS
Risks to watch — BAC
- →Held-to-maturity bond portfolio duration risk — unrealised losses remain an overhang as rates stay higher
- →NII sensitivity to rate cuts is high — Fed easing erodes BAC's NII more than most peers
- →Consumer credit normalisation — credit card and auto loss rates are rising from pandemic lows
Risks to watch — WFC
- →Asset cap remains in place — the removal timeline is uncertain and subject to Fed approval of remediation progress
- →Regulatory relationship is more complex than peers — the reputational and oversight legacy of the fake accounts scandal lingers
- →Mortgage business has been restructured but housing market sensitivity limits near-term upside
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