Head-to-head · Stock vs Stock
JPMorgan Chase & Co. vs Bank of America
vs
JPM vs BAC: the verdict
How JPM and BAC compare today, and what CleaRank Financial AI makes of it.
The verdict
CleaRank Financial AI favours
JPM
JPM
BAC
66/100
AI score
49/100
+7.9%
1-year change
-5.1%
28.0%
Volatility (30d, yearly)
30.2%
52.7
RSI (14-day)
43.2
14.0x
P/E ratio
12.1x
1.80%
Dividend yield
2.29%
The verdict
JPMorgan Chase & Co. (JPM) comes out ahead on CleaRank's model, scoring 66/100 (Buy) against 49/100 (Hold) for Bank of America (BAC). The widest gap is the trend: for JPM, the price is 5.50% above its 200-day average and 0.24% above its 50-day average, and the 50-day average is 5.40% above the 200-day. For BAC, the price is 7.63% below its 200-day average and 7.46% below its 50-day average.
Key difference
Momentum also favours JPM: the MACD line is positive. For BAC, the 14-day RSI of 43.2 is in the bearish zone and the MACD line is negative.
Outlook
JPM's uptrend holds while it stays above its 50-day average at $341.52 and its 200-day at $324.03. BAC would need to regain its 50-day average at $55.24 and its 200-day at $54.89 to turn its downtrend.
Price, side by side
Both prices start at 0% on the first day of the period you pick, so the moves compare directly.
Rebased price
-10%-5%0%+5%+2.7%-6.7%
Nov '26
-20%-15%-10%-5%0%-5.5%-21%
Sep '26Oct '26Nov '26
0%+10%+20%+30%+12%-0.2%
Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
-10%0%+10%+20%+8%-5.1%
Dec '25Feb '26Apr '26Jul '26Sep '26Nov '26
0%+20%+40%+60%+55%+25%
Oct '24Mar '25Aug '25Jan '26Jun '26Nov '26
Over 1 year: JPM gained 7.9% and BAC lost 5.1%, a gap of 13.0 points in JPM's favour.
Valuation and profitability
What each costs relative to its earnings and sales, and how much of its revenue it keeps.
Side by side
Valuation
Lower multiples mean you pay less for each dollar of earnings or sales.
JPM
BAC
$908.4B
Market cap
$349.8B
14.0x
P/E ratio
12.1x
4.8x
Price / sales
3.0x
2.6x
Price / book
1.3x
Profitability
How much of each dollar of revenue becomes profit, and how hard the capital works.
JPM
BAC
+10.2%
Revenue growth (quarter, y/y)
+10.6%
33.8%
Net margin
26.8%
18.0%
Return on equity
10.7%
1.4%
Return on assets
0.9%
0.00
Debt / equity
0.00
On valuation
JPM carries the higher trailing P/E, at 14.03 compared with 11.79 for BAC. Measured against a Financial Services median of 16.5, JPM's P/E is broadly in line with peers, while BAC's is at a discount to peers. JPM also commands a richer price on sales, at 4.76 times against 2.97. In size, JPM is the bigger company, with a market capitalisation of $908.4B versus $341.0B.
On profitability
Year on year, latest-quarter revenue grew 10.20% at JPM and 10.62% at BAC. On the income side, JPM's trailing dividend yield is 1.80%, while BAC's is 2.35%.
Earnings reality check
JPM
JPM beat the estimate in 5 of its last 7 reports (latest Oct '26); the shares fell in the first session after 3 of those beats.
Surprise
Next session
Jan '25Jul '25Jan '26Oct '26
BAC
BAC beat the estimate in 7 of its last 8 reports (latest Oct '26); the shares fell in the first session after 3 of those beats.
Surprise
Next session
Apr '25Oct '25Apr '26Oct '26
Momentum and sentiment
The indicators behind each AI score, side by side.
Indicators side by side
JPM
BAC
66/100
AI score
49/100
52.7
RSI (14-day)
43.2
+0.2%
Price against 50-day average
-7.5%
+5.5%
Price against 200-day average
-7.6%
Technicals
JPM is in an uptrend, trading 0.24% above its 50-day average and 5.50% above its 200-day average. Its 14-day RSI is 52.7, in the neutral zone, with the MACD line positive. BAC is in a downtrend, trading 7.46% below its 50-day average and 7.63% below its 200-day average. Its 14-day RSI is 43.2, in the neutral zone, with the MACD line negative. JPM sits higher in its 52-week range, at 72% against 17% for BAC.
Sentiment
Of the 26 analysts covering JPM, 15 rate it buy, 11 hold and 0 sell; their median target is $372.00, 8.7% above the price. Of the 25 analysts covering BAC, 22 rate it buy, 3 hold and 0 sell; their median target is $62.00, 25.5% above the price.
Risk and practical tips
How much each moves, how much return each has paid for that risk, and what to watch if you hold either.
Risk measures
JPM
BAC
28.0%
Volatility (30d, yearly)
30.2%
1.02
Beta against the S&P 500
1.19
0.76
Sharpe ratio
0.35
Risk
They move about the same on a typical day, 1.47% for JPM and 1.53% for BAC. Against the S&P 500, JPM has a beta of 1.02 and BAC 1.19. Their worst falls in the price history were 43.6% for JPM (January 2020 to March 2020) and 48.9% for BAC. On these measures together, BAC is the riskier of the two.
ProTips
- For JPM, watch the 52-week high at $366.50 above the price and the 50-day SMA at $341.52 below it.
- For BAC, watch the 20-day EMA at $51.27 above the price and the 52-week low at $46.12 below it.
JPM vs BAC: long-term scenarios
Simulated paths from each price history. A range of outcomes, not a forecast.
Simulated growth of $10,000
$20K$40K$60K$64.9K$64K$22.6K$19.8K
202620282030203220342035
JPM
BAC
$7,896
Downside, 2035 (10th)
$6,139
$22,632
Base case, 2035 (median)
$19,819
$64,868
Upside, 2035 (90th)
$63,988
In the median simulated path, $10,000 in JPM grows to about $22,600 and $10,000 in BAC grows to about $19,800 by 2035. The paths come from each asset's own volatility and capped historical trend; they are statistical outcomes, not forecasts. JPM and BAC's upside columns reach an extreme multiple of the starting amount; treat them as a statistical tail, not a likely outcome.
JPM vs BAC: questions people ask
Answered from the figures on this page.
Frequently Asked Questions
Which is better, JPM or BAC?+
On CleaRank's model JPM scores higher, 66/100 (Buy) against 49/100 (Hold) for BAC. This describes the data on this page and is not a personal recommendation.
Which has performed better over the past year, JPM or BAC?+
JPM has done better: its price rose 8.87% over the past year, while BAC fell 7.26%.
Which is cheaper on earnings, JPM or BAC?+
BAC's trailing P/E is the lower of the two, at 11.79 against 14.03 for JPM.
Which pays more income, JPM or BAC?+
BAC pays the higher yield, 2.35% against 1.80% for JPM. Yield is the payout divided by the price, so it moves whenever either of those two changes.
Which is riskier, JPM or BAC?+
BAC is the riskier of the two on the measures we track. Average daily move: 1.47% for JPM, 1.53% for BAC. Beta against the S&P 500: 1.02 for JPM, 1.19 for BAC. Worst fall in the price history: 43.6% for JPM, 48.9% for BAC.
Which has stronger momentum right now, JPM or BAC?+
JPM has the higher 14-day RSI, 52.7 (neutral) against 34.5 (bearish) for BAC. The MACD line is positive for JPM and negative for BAC. Readings above 70 or below 30 mark stretched momentum.
Which is the bigger company, JPM or BAC?+
JPM is the larger company. Its market value stands at $908.4B, while BAC's is $341.0B.
What do analysts say about JPM and BAC?+
Of JPM's 26 analysts, 15 rate it a buy, and the median target sits 8.7% above the price. For BAC, 22 of 25 analysts rate it a buy, with the median target 25.5% above the price.
How would $10,000 have grown in JPM or BAC?+
Invested in December 2016, $10,000 would be worth $54,159 today in JPM and $28,592 in BAC.