JPMorgan vs Bank of America
The two largest US banks compared on capital strength, returns, and margin of safety — a value look at too-big-to-fail franchises.
| Metric | JPMORGAN CHASE & CO JPM | BofA Finance LLC BAC |
|---|---|---|
| ValueOS Score | 43 | 51 |
| Verdict | PASS | HOLD |
| Moat | No Moat | No Moat |
| Margin of Safety | -5.362540997613758% | +6.434105945380628% |
| Intrinsic Value | $1233.6B | $330.4B |
| Price | $348.21 | $61.62 |
Live scores from the latest SEC filings · refreshed daily. Open any card for the full workup.
The Takeaway
JPMorgan is the higher-return, better-run franchise with a stronger track record; Bank of America is the cheaper, catch-up story with a vast deposit base. Both are cyclical and rate-sensitive — compare the Scores and margins of safety above to judge which is the better bargain at today's price.
Frequently Asked Questions
How do JPMorgan and Bank of America differ?
JPMorgan consistently earns higher returns and runs leaner; Bank of America is larger by deposits but has lagged on efficiency. Their moats come from scale and regulation.
Which is better value today?
The DCF and Score cards above show intrinsic value, margin of safety, and quality for each. Weigh durability against current price.
Compare any stock yourself
Run the full Buffett-style workup on either name.
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ValueOS Editorial Team. "JPMorgan vs Bank of America." ValueOS. Accessed 2026-07-23. https://getvalueos.com/compare/jpm-vs-bac