LIVE
JPM
JPMorgan Chase & Co. · Banking
$311.11
+2.98% this month
VERSUS
⟷
COMPARE
BAC
Bank of America Corporation · Banking
$53.63
+4.52% this month
AI Score
54.0vs53.2
JPM ↑1Y Return
+17.08%vs+19.26%
BAC ↑Forward P/E
13.26xvs10.66x
BAC ↑Target Upside
+9.55%vs+17.33%
BAC ↑Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
JPM
2
BAC
3
Metrics last refreshed: 6/9/2026
Quick take
JPM vs BAC: JPMorgan vs Bank of America Stock Comparison: AI Score, Valuation, Performance and Upside
JPMorgan is generally considered the higher-quality franchise — best-in-class across every segment with superior through-cycle earnings power — while Bank of America offers a more rate-sensitive balance sheet, a large wealth management business via Merrill Lynch, and tends to trade at a valuation discount to JPM that can make it more attractive on a pure value basis.
Use this JPM vs BAC comparison to choose between quality premium and value opportunity in US large-cap banking. JPM commands a premium for consistent excellence; BAC can offer more upside when rate conditions improve and its NII headwinds reverse.
Live analysis · updated 6/9/2026
BAC holds the edge across 3 of 5 key metrics in this comparison. BAC leads on both 1-year return (+19.26%) and forward P/E (10.66x vs 13.26x for JPM), a relatively favorable combination of momentum and valuation. JPM leads on both revenue growth (12.70%) and operating margin (43.74%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for BAC (+17.33%) than for JPM (+9.55%).
Comparison scoreboard
BAC LEADS 3/5AI Score
JPM ✓54.0
BAC 53.2
1Y Return
JPM +17.08%
BAC ✓+19.26%
Fwd P/E
JPM 13.26
BAC ✓10.66
Target Up.
JPM +9.55%
BAC ✓+17.33%
Op. Margin
JPM ✓43.74%
BAC 35.96%
Normalized 1Y performance
JPM
BAC
Recent returns
JPM
BAC
Analyst price targets & sentiment
JPM · 23 analysts
STRONG BUYHOLDSTRONG SELL
Buy (2.1/5.0)
Price target range
analyst low$195.00
analyst mean$342.19
current price$311.11
+9.5% upside to analyst mean
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
Who should consider this stock?
JPM may suit investors who:
- →Want the highest-quality US bank franchise with consistent through-cycle earnings power
- →Value strong investment banking fee diversification alongside consumer and wealth management
- →Prefer proven risk management and credit discipline with a long track record
- →Are comfortable paying a premium multiple for best-in-class execution
BAC may suit investors who:
- →Want US large-cap banking exposure at a valuation discount to the sector leader
- →Believe NII will recover as deposit repricing normalises and rate cuts slow
- →Value Merrill Lynch's wealth management recurring revenue as a durable business
- →Prefer higher rate sensitivity as a potential earnings catalyst in a stable-rate environment
Performance & AI score
| Metric | JPM | BAC |
|---|---|---|
| AI score | 54.0 | 53.2 |
| AI rank | #302 | #326 |
| Latest close | $311.11 | $53.63 |
| 1M return | +2.98% | +4.52% |
| 6M return | -1.25% | -0.59% |
| 1Y return | +17.08% | +19.26% |
$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 | JPM | BAC |
|---|---|---|
| 1Y ago | $11.66K (+16.6%) started 2025-06-09 | $11.95K (+19.5%) started 2025-06-09 |
| 5Y ago | $23.8K (+138.0%) started 2021-06-09 | $15.39K (+53.9%) started 2021-06-09 |
| 10Y ago | $81.29K (+712.9%) started 2016-06-09 | $56.96K (+469.6%) started 2016-06-09 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | JPM | BAC |
|---|---|---|
| Market cap | $837B | $382.01B |
| Trailing P/E | 14.95 | 13.36 |
| Forward P/E | 13.26 | 10.66 |
| Price/Sales | 4.38 | 3.48 |
| EV/Revenue | 3.43 | 3.25 |
| Analyst target | $342.19 | $63.16 |
| Target upside | +9.55% | +17.33% |
Growth, profitability & risk
| Metric | JPM | BAC |
|---|---|---|
| Revenue growth | 12.70% | 8.10% |
| Earnings growth | 17.20% | 24.40% |
| EPS growth | +17.20% | +24.40% |
| FCF margin | N/A | N/A |
| Operating margin | 43.74% | 35.96% |
| Profit margin | 33.94% | 28.96% |
| ROIC proxy | 16.47% | 10.64% |
| Return on equity | 16.47% | 10.64% |
| Dividend yield | 1.92% | 2.08% |
| Beta | 1.00 | 1.20 |
| 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
JPM max drawdown15.47%
BAC max drawdown18.39%
JPM max wkly drop7.09%
BAC max wkly drop7.04%
5Y risk snapshot
JPM max drawdown38.77%
BAC max drawdown46.64%
JPM max wkly drop13.76%
BAC max wkly drop16.63%
10Y risk snapshot
JPM max drawdown43.63%
BAC max drawdown48.95%
JPM max wkly drop23.11%
BAC max wkly drop24.86%
Performance metrics by period
| Period | Metric | JPM | BAC |
|---|---|---|---|
| 1Y | Growth | +16.63% | +19.52% |
| CAGR | +16.71% | +19.61% | |
| Sharpe ratio | 0.62 | 0.73 | |
| Max drawdown | 15.47% | 18.39% | |
| Max daily drop | 4.66% | 4.72% | |
| Max wkly drop | 7.09% | 7.04% | |
| 5Y | Growth | +112.52% | +39.36% |
| CAGR | +16.28% | +6.87% | |
| Sharpe ratio | 0.56 | 0.22 | |
| Max drawdown | 38.77% | 46.64% | |
| Max daily drop | 7.48% | 11.06% | |
| Max wkly drop | 13.76% | 16.63% | |
| 10Y | Growth | +514.96% | +359.49% |
| CAGR | +19.92% | +16.48% | |
| Sharpe ratio | 0.64 | 0.51 | |
| Max drawdown | 43.63% | 48.95% | |
| Max daily drop | 14.96% | 15.40% | |
| Max wkly drop | 23.11% | 24.86% |
Business comparison
| Category | JPM | BAC |
|---|---|---|
| Company | JPMorgan Chase & Co. | Bank of America Corporation |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Banks - Diversified |
| Core business | The largest US bank by assets. Operates Consumer & Community Banking, Commercial Banking, Corporate & Investment Bank, and Asset & Wealth Management segments. | Second-largest US bank. Operates Consumer Banking, Global Wealth & Investment Management (Merrill), Global Banking, and Global Markets segments. |
| Investor focus | Net interest income trajectory, investment banking fee recovery, credit quality, CET1 capital ratio, and efficiency ratio. | NII recovery as deposit repricing normalises, Merrill Lynch wealth management growth, credit quality, and operating leverage. |
JPM strengths
- →Dominant franchise across every major banking vertical — retail, institutional, investment, and wealth management
- →Best-in-class credit underwriting and risk management with a long track record through credit cycles
- →Exceptional investment banking market share and fee revenue diversification
BAC strengths
- →Highly rate-sensitive balance sheet — among the biggest NII beneficiaries in a rising-rate environment
- →Merrill Lynch provides a large, recurring wealth management revenue stream
- →Strong digital banking adoption reducing cost-to-serve for retail customers
Risks to watch — JPM
- →NII sensitivity to rate cuts as the Fed easing cycle progresses
- →High valuation relative to peers leaves less margin of safety on disappointments
- →Credit card loss rates as consumer credit normalises from pandemic lows
Risks to watch — BAC
- →Held-to-maturity bond portfolio duration risk and unrealised losses
- →Higher NII sensitivity to rate cuts than peers — more earnings exposed to falling rates
- →Consumer credit quality as lower-income cohorts face ongoing affordability pressure
Frequently asked questions
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