LIVE
BAC
Bank of America Corporation · Financials
$56.20
+10.85% this month
VERSUS
⟷
COMPARE
C
Citigroup Inc. · Financials
$143.06
+19.25% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
BAC
3
C
2
Comparison scoreboard
BAC LEADS 3/5AI Score
BAC 52.5
C ✓55.7
1Y Return
BAC +27.06%
C ✓+84.93%
Fwd P/E
BAC ✓11.09
C 11.16
Target Up.
BAC ✓+12.74%
C +5.08%
Op. Margin
BAC ✓35.96%
C 34.08%
Metrics last refreshed: 6/20/2026
Quick take
BAC vs C Stock Comparison: AI Score, Valuation, Performance and Upside
Bank of America and Citigroup are both US megabanks but with very different global footprints and business models. BofA is primarily a US consumer and wealth management bank with substantial investment banking. Citigroup is the most internationally diversified US bank, executing a multi-year transformation to simplify its complex global operations. BofA is the steadier quality compounder; Citigroup is the deep value transformation story trading at a fraction of JPMorgan's multiple.
BAC vs C is the US consumer banking and Merrill Lynch wealth management franchise with Warren Buffett's endorsement and rate cycle sensitivity creating NII dynamics (Bank of America) versus the most globally diversified US bank executing transformation to simplify operations, reduce costs, and close the enormous valuation gap vs peers from near-book-value to justified multiple (Citigroup) — US consumer quality compounder vs global institutional bank deep value transformation.
Live analysis · updated 6/20/2026
BAC holds the edge across 3 of 5 key metrics in this comparison. C has delivered stronger 1-year price return (+84.93% vs +27.06%), though BAC trades at the lower forward P/E (11.09x vs 11.16x). On fundamentals, C is growing revenue faster (15.90%), while BAC maintains the higher operating margin (35.96%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for BAC (+12.74%) than for C (+5.08%).
Normalized 1Y performance
BAC
C
Recent returns
BAC
C
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$56.20
+12.7% upside to analyst mean
C · 21 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.8/5.0)
Price target range
analyst low$70.00
analyst mean$146.93
current price$143.06
+5.1% upside to analyst mean
Who should consider this stock?
BAC may suit investors who:
- →prefer the Warren Buffett-backed US consumer banking and Merrill Lynch wealth franchise with 68M+ consumer relationships and 4,600+ US retail locations
- →value BofA's stable US consumer deposit base as a low-cost funding source with cross-sell opportunity across Merrill Lynch wealth advisory
- →want US megabank quality exposure with Berkshire Hathaway's large stake providing an implicit endorsement of BofA's long-term business quality
- →are comfortable with rate sensitivity from COVID-era bond portfolio, NII normalization as Fed cuts rates, and JPMorgan outperforming BofA on return on equity
C may suit investors who:
- →prefer the deep value transformation play — Citigroup trades near tangible book value while executing transformation that could close the enormous multiple gap vs JPMorgan and BofA peers
- →value Citigroup's Treasury & Trade Solutions global cash management as an irreplaceable institutional banking service used by US multinationals operating in 160+ countries
- →want contrarian megabank exposure at the lowest valuation in the US megabank group — Citigroup's transformation upside is asymmetric if Jane Fraser's simplification delivers ROE improvement
- →are comfortable with transformation execution risk, regulatory consent order compliance costs, and international consumer divestiture complexity creating multi-year uncertainty
Performance & AI score
| Metric | BAC | C |
|---|---|---|
| AI score | 52.5 | 55.7 |
| AI rank | #324 | #248 |
| Latest close | $56.20 | $143.06 |
| 1M return | +10.85% | +19.25% |
| 6M return | +3.02% | +28.35% |
| 1Y return | +27.06% | +84.93% |
$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 | C |
|---|---|---|
| 1Y ago | $12.47K (+24.7%) started 2025-06-18 | $18.26K (+82.6%) started 2025-06-18 |
| 5Y ago | $17.17K (+71.7%) started 2021-06-21 | $28.56K (+185.6%) started 2021-06-21 |
| 10Y ago | $62.56K (+525.6%) started 2016-06-20 | $60.65K (+506.5%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | BAC | C |
|---|---|---|
| Market cap | $397.55B | $238.49B |
| Trailing P/E | 13.90 | 17.26 |
| Forward P/E | 11.09 | 11.16 |
| Price/Sales | 3.48 | 2.04 |
| EV/Revenue | 3.39 | 0.36 |
| Analyst target | $63.16 | $146.93 |
| Target upside | +12.74% | +5.08% |
Growth, profitability & risk
| Metric | BAC | C |
|---|---|---|
| Revenue growth | 8.10% | 15.90% |
| Earnings growth | 24.40% | 56.10% |
| EPS growth | +24.40% | +56.10% |
| FCF margin | N/A | N/A |
| Operating margin | 35.96% | 34.08% |
| Profit margin | 28.96% | 20.36% |
| ROIC proxy | 10.64% | 7.65% |
| Return on equity | 10.64% | 7.65% |
| Dividend yield | 2.00% | 1.72% |
| Beta | 1.20 | 1.11 |
| 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%
C max drawdown14.76%
BAC max wkly drop7.04%
C max wkly drop9.64%
5Y risk snapshot
BAC max drawdown46.64%
C max drawdown44.31%
BAC max wkly drop16.63%
C max wkly drop17.35%
10Y risk snapshot
BAC max drawdown48.95%
C max drawdown56.51%
BAC max wkly drop24.86%
C max wkly drop31.86%
Performance metrics by period
| Period | Metric | BAC | C |
|---|---|---|---|
| 1Y | Growth | +24.72% | +82.59% |
| CAGR | +24.76% | +82.75% | |
| Sharpe ratio | 0.93 | 2.13 | |
| Max drawdown | 18.39% | 14.76% | |
| Max daily drop | 4.72% | 5.32% | |
| Max wkly drop | 7.04% | 9.64% | |
| 5Y | Growth | +55.48% | +142.98% |
| CAGR | +9.24% | +19.46% | |
| Sharpe ratio | 0.30 | 0.60 | |
| Max drawdown | 46.64% | 44.31% | |
| Max daily drop | 11.06% | 12.14% | |
| Max wkly drop | 16.63% | 17.35% | |
| 10Y | Growth | +404.62% | +340.90% |
| CAGR | +17.58% | +16.00% | |
| Sharpe ratio | 0.54 | 0.48 | |
| Max drawdown | 48.95% | 56.51% | |
| Max daily drop | 15.40% | 19.30% | |
| Max wkly drop | 24.86% | 31.86% |
Business comparison
| Category | BAC | C |
|---|---|---|
| Company | Bank of America Corporation | Citigroup Inc. |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Banks - Diversified |
| Core business | Bank of America is the second-largest US bank by assets serving 68M+ consumer and small business clients. BofA's four segments: Consumer Banking (checking, savings, mortgages), Global Wealth & Investment Management (Merrill Lynch, Private Bank), Global Banking (commercial lending), and Global Markets (trading). Warren Buffett's Berkshire Hathaway holds a large BofA stake. BofA's consumer deposit franchise is one of the largest in the US — serving Americans across checking, savings, and credit cards. BofA has been noted for its deposit beta — how fast it raises savings rates vs Fed hikes. | Citigroup is the most globally diversified US bank — operating in 160+ countries with significant institutional, treasury and trade solutions (TTS), investment banking, and consumer operations. CEO Jane Fraser's transformation plan is simplifying Citigroup — divesting international consumer banking operations (Mexico, Asia) to focus on institutional banking and US consumer. Citigroup's TTS business provides global cash management to multinational corporations — processing $4T+ daily in cross-border payments. Citigroup's stock has significantly underperformed peers, trading near book value while JPMorgan trades at 2x+ book. |
| Investor focus | Investors track net interest income (NII), deposit repricing dynamics, Merrill Lynch wealth management flows, consumer credit quality, and return on equity vs JPMorgan peer levels. | Investors track transformation progress (divestitures, organization simplification), expense reduction, return on tangible common equity improvement, and Treasury & Trade Solutions revenue. |
BAC strengths
- →Consumer deposit franchise: BofA's 4,600+ US retail locations serve tens of millions of Americans — creating a low-cost deposit base that funds lending at favorable net interest margins
- →Merrill Lynch wealth franchise: Merrill Edge and Merrill Lynch add $3T+ in wealth management assets to BofA's consumer banking — creating cross-sell between banking and investment advisory
- →Warren Buffett's Berkshire ownership signals business quality: Berkshire's 12%+ stake in BofA is the most public endorsement of BofA's long-term value among the megabanks
C strengths
- →Global banking network: Citigroup's presence in 160+ countries is irreplaceable for multinational corporations needing cross-border banking services in markets where other US banks have no local presence
- →Treasury & Trade Solutions (TTS): Citigroup's global cash management platform is the most widely used by US multinationals — a structurally embedded institutional banking service
- →Deep discount to peers: Citigroup trades near tangible book value while JPMorgan trades at 2.3x — if transformation succeeds, multiple expansion alone could deliver significant returns
Risks to watch — BAC
- →Rate sensitivity: BofA's large fixed-rate bond portfolio (accumulated during COVID-era low rates) is a known unrealized loss position — rising rates created paper losses that normalize over time
- →NIImovements as Fed rate cuts affect deposit income: BofA's NII was significantly boosted by rate hikes and will normalize as the Fed cuts
- →Consumer credit quality: BofA's large consumer banking exposure makes it sensitive to US consumer credit cycle shifts
Risks to watch — C
- →Transformation execution risk: Citigroup's strategic simplification has been ongoing for years without achieving peer-level ROE — transformation timelines consistently disappoint
- →Consent orders from regulators require significant compliance investment — Citigroup's data and compliance infrastructure rebuild is expensive and diverts management focus
- →International consumer divestitures are complex: unwinding Citigroup's consumer banking operations in Mexico, India, Indonesia, and other markets is a multi-year operational challenge
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