BAC vs. TFC: Bank of America vs. Truist Financial Stock Comparison

Company Profile

Bank of America (BAC) and Truist Financial (TFC) both belong to the Banks industry, though BAC is classified under Diversified Banks while TFC falls under Regional Banks.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Bank of America (BAC) at 10.73% is around its peer norm for ROE, while Truist Financial (TFC) at 8.16% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both Bank of America (BAC) at 28.06% and Truist Financial (TFC) at 28.38% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Truist Financial (TFC) at 53.03% clears its industry range for revenue growth, far stronger top-line momentum than Bank of America (BAC) at 6.84%, which is closer to a typical peer reading.

Both Bank of America (BAC) at 18.69% and Truist Financial (TFC) at 13.69% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and Truist Financial (TFC) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Bank of America (BAC) in Banks and Truist Financial (TFC) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Truist Financial (TFC) at 4.17% delivers top-quartile income for its industry, while Bank of America (BAC) at 2.33% pays a more typical yield — both are credible income propositions, TFC the richer one.

Bank of America (BAC) at 27.62% pays out a band-typical share of earnings, while Truist Financial (TFC) at 53.61% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Bank of America (BAC) at 11.79 and Truist Financial (TFC) at 12.73 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Bank of America (BAC) in Banks and Truist Financial (TFC) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Truist Financial (TFC) at 1.06 sits in the lower P/B ratio quartile against book while Bank of America (BAC) at 1.26 is valued near its industry’s middle — TFC is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics