BAC vs ITUB Stock Comparison
BAC currently leads ITUB in this stock comparison, with AIQ scores of 47 vs 39. The clearest difference is risk resilience, while ITUB has the stronger value profile.
What is the main difference between BAC and ITUB?
BAC leads the current stock comparison as Bank of America Corporation, with the clearest separation coming from risk resilience and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Bank of America Corporation vs Itaú Unibanco Holding S.A.
BAC leads
BAC leads by 8 AIQ points, primarily on Risk Resilience and Quality, having only recently taken the lead back from ITUB. Wall Street currently favors ITUB on target upside.
Fragile: 3 of 6 evidence groups support BAC, the lead recently changed hands, and its signal state is cleanly positive.
Bank of America Corporation
Itaú Unibanco Holding S.A.
The Algovestiq AIQ Score currently favors BAC over ITUB, 47 versus 39 as of Oct 31, 2026. BAC's advantage is driven primarily by stronger risk resilience and quality, while ITUB holds the stronger value profile. BAC also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors ITUB. 3 of 6 covered evidence groups favor BAC today, and the comparison is rated Fragile on stability: only 3 of 6 covered evidence groups agree. BAC lead: Reversed — ITUB led by 13 AIQ points 30 sessions ago; BAC now leads by 8.
Compare Bank of America Corporation and Itaú Unibanco Holding S.A. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare BAC and ITUB against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience60 vs 19BAC +41
- Quality49 vs 38BAC +11
- Value57 vs 63ITUB +6
- Momentum26 vs 24Even
3 of 6 evidence groups favor BAC. BAC’s edge is concentrated in risk resilience and quality; ITUB keeps a meaningful value edge.
What changed since the last close
Latest scored session 2026-10-28, compared against the prior scored session 2026-10-27.
Largest factor move: Risk Resilience +1, not enough on its own to move the overall score.
No signal started or stopped since the prior session; its 3 active signals are unchanged.
No factor moved materially.
No signal started or stopped since the prior session; its 7 active signals are unchanged.
BAC's lead was unchanged in the latest session.
Deeper signal detail for each name lives on its own signals page — BAC and ITUB both carry a full feed there.
The central trade-off
BAC (Bank of America Corporation): the stronger current systematic profile, led by risk resilience and quality.
ITUB (Itaú Unibanco Holding S.A.): the counter-case, on value, fundamentals, valuation — but at materially higher volatility, 69.5% against 20.8%.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
BACBAC on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
ITUBITUB on combined revenue and EPS growth.
Value
ITUBITUB on the peer-relative Value factor, by 6 points.
Momentum
EvenThe two are level on Momentum.
Lower downside
BACBAC on Risk Resilience, by 41 points.
Analyst upside
ITUBITUB on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors BAC, analyst targets favor ITUB. That disagreement is the most useful thing on this page.
| Measure | BAC | ITUB | Note |
|---|---|---|---|
| Implied upside to target | +32.5% | +37.4% | ITUB has more room |
| Target dispersion | +22.6% | +14.3% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 11 | 2 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | BAC | ITUB |
|---|---|---|
| 5Y dividend CAGR | 8.45% | 75.29% |
| 2020 regular DPS | $0.720 | $0.033 |
| 2025 regular DPS | $1.080 | $0.554 |
| Years increased | 5 | 3 |
| No cut in window | Yes | No (2) |
| Cohort rank | #133 | not ranked |
ITUB grew its split-adjusted regular dividend faster over 2020–2025 — 75.29% a year against BAC's 8.45%. BAC never reduced its regular dividend in the window; ITUB did in 2 years. They are ranked in different cohorts — US dividend-paying corporations and variable-dividend payers — so their ranks are not comparable with each other.
Yield and payout ratio shown elsewhere on this page are current values, not part of the study window.
Split-adjusted regular dividends per share, 2020–2025, excluding special dividends. Research as of Sep 19, 2026.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor BAC. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | BAC | 47 vs 39 |
| Fundamentals | ITUBon balance | revenue growth -3.3% vs 2.8%; EPS growth -23.8% vs 5.8%; TTM ROE 10.7% vs 21.9%; gross margin 60.4% vs 35.9%; operating margin 22.4% vs 14.3% — ITUB takes 3 of 5 decided legs, not all of them |
| Valuation | ITUB | Value 57 vs 63 |
| Technicals | BAC | Price vs 50-day -12.1% vs -16.3%; vs 200-day -7.5% vs -11% |
| Risk Resilience | BAC | Risk Resilience 60 vs 19 |
| Analyst expectations | ITUB | Target upside 32.5% vs 37.4% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of BAC and ITUB and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is moderate at 8 points.
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The lead has swung materially session to session. (argues the conclusion is provisional)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on BAC.
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28BAC lead: Reversed — ITUB led by 13 AIQ points 30 sessions ago; BAC now leads by 8.
- Today
- BAC +8
- 47 vs 39
- 7 sessions ago
- ITUB +1
- 47 vs 48
- 30 sessions ago
- ITUB +13
- 41 vs 54
- 90 sessions ago
- BAC +7
- 50 vs 43
The lead changed hands 5 times in this window, most recently on Oct 26 when BAC moved ahead of ITUB.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 0 bearish / 1 neutral
Only BAC
- MACD Bullish Crossover — bullish, momentum, short horizon
3 bullish / 2 bearish / 2 neutral, conflicted
Only ITUB
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (3.75%)
- BB Lower Band Breach — bullish, volatility, short horizon
- Keltner Channel Breakdown — bearish, volatility, short horizon
- RSI Oversold - Potential Bounce — bullish, momentum, short horizon
- MACD Bearish Crossover — bearish, momentum, short horizon
Both carry 2 more signals that do not separate them: Bollinger Band Squeeze, Golden Cross Active.
ITUB is conflicted, so the timing case there is weaker than the score alone suggests.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -2.21%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -3.26%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1ITUB closes the Risk Resilience gap — currently 41 points behind, the largest single contributor to BAC's edge.
- 2ITUB's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3BAC's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
ITUB leads on balance| Metric | BAC | ITUB |
|---|---|---|
| Revenue growth (YoY) | -3.3% | 2.8% |
| EPS growth (YoY) | -23.8% | 5.8% |
| Gross margin | 60.4% | 35.9% |
| Operating margin | 22.4% | 14.3% |
| Return on equity (TTM) | 10.7% | 21.9% |
| Debt to equity | 1.28 | 4.7 |
Performance
Split across windows| Metric | BAC | ITUB |
|---|---|---|
| 1 week (5 sessions) | 0.1% | -10.8% |
| 1 month (20 sessions) | -6.6% | -13.2% |
| 3 months (63 sessions) | -17.6% | -12.3% |
| 6 months (126 sessions) | -3.8% | -13.2% |
| Year to date | -7.5% | 3.4% |
| 1 year (252 sessions) | -3.3% | 7.8% |
Technicals
BAC has the stronger structure| Metric | BAC | ITUB |
|---|---|---|
| RSI (14) | 31.2 | 19.7 |
| ADX (14) | 49.4 | 26.9 |
| Price vs 50-day | -12.1% | -16.3% |
| Price vs 200-day | -7.5% | -11% |
| Volatility (1M, annualized) | 20.8% | 69.5% |
Risk
BAC is the more resilient| Metric | BAC | ITUB |
|---|---|---|
| Beta | 0.73 | 1.12 |
| Sharpe ratio | -0.25 | 0.27 |
| Sortino ratio | -0.32 | 0.33 |
| Max drawdown | -22.3% | -27.2% |
| Current drawdown | -21.5% | -27.2% |
| Annualized volatility | 21.8% | 41.8% |
| Value at risk (95%) | -2.5% | -3.5% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, BAC or ITUB?
On the Algovestiq AIQ Score, BAC is the stronger of the two as of Oct 31, 2026, scoring 47 against ITUB's 39. The edge comes from risk resilience and quality. ITUB is not without a case — it holds the better value profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is BAC or ITUB the better buy right now?
BAC carries the stronger systematic profile as of Oct 31, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: only 3 of 6 covered evidence groups agree. Treat the lead as provisional.
Why does the AIQ Score favor BAC over ITUB?
The composite weights Quality, Value, Momentum and Risk Resilience. BAC leads Risk Resilience by 41 points; BAC leads Quality by 11 points; ITUB leads Value by 6 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, BAC or ITUB?
Analyst price targets imply +32.5% upside for BAC and +37.4% for ITUB, so the Street currently favors ITUB. That points the opposite way to the AIQ Score, which favors BAC. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, BAC or ITUB?
ITUB is the better-valued of the two on the peer-relative Value factor. ITUB on the peer-relative Value factor, by 6 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, BAC or ITUB?
ITUB on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, BAC or ITUB?
The two are level on Momentum. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, BAC or ITUB?
BAC is the more resilient of the two, so the other name carries the higher downside risk. BAC on Risk Resilience, by 41 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is BAC more profitable than ITUB?
The profitability evidence is mixed: gross margin 60.4% vs 35.9%; operating margin 22.4% vs 14.3%; ttm roe 10.7% vs 21.9%. BAC leads on two measures and ITUB on one measure, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is BAC's lead over ITUB getting stronger or weaker?
BAC lead: Reversed — ITUB led by 13 AIQ points 30 sessions ago; BAC now leads by 8. This is measured from 120 daily comparison snapshots between 2026-06-29 and 2026-10-28. The lead has changed hands 5 times in that window, most recently on 2026-10-26, when BAC moved ahead of ITUB.
What would change the BAC vs ITUB verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: ITUB closes the Risk Resilience gap — currently 41 points behind, the largest single contributor to BAC's edge; ITUB's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; BAC's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about BAC and ITUB?
BAC: 2 bullish / 0 bearish / 1 neutral. ITUB: 3 bullish / 2 bearish / 2 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on BAC is Golden Cross Active (bullish, long horizon). On ITUB it is Golden Cross Active (bullish, long horizon).
Compare BAC and ITUB with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.