BAC vs MDU Stock Comparison
MDU currently leads BAC in this stock comparison, with AIQ scores of 51 vs 46. The clearest difference is momentum, while BAC has the stronger quality profile.
What is the main difference between BAC and MDU?
MDU leads the current stock comparison as MDU Resources Group, Inc., with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Bank of America Corporation vs MDU Resources Group, Inc.
MDU leads
MDU leads by 5 AIQ points, primarily on Momentum.
Fragile: 2 of 6 evidence groups support MDU, and its current signal state is conflicted.
Bank of America Corporation
MDU Resources Group, Inc.
The Algovestiq AIQ Score currently favors MDU over BAC, 51 versus 46 as of Oct 22, 2026. MDU's advantage is driven primarily by stronger momentum, while BAC holds the stronger quality profile. MDU also shows the stronger technical structure relative to its 50-day moving average. 2 of 6 covered evidence groups favor MDU today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 5 points. MDU lead: Stable — the AIQ differential has held near 5 points over 30 sessions.
Compare Bank of America Corporation and MDU Resources Group, Inc. 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 MDU against another ticker
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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.
- Momentum24 vs 56MDU +32
- Quality49 vs 43BAC +6
- Value57 vs 51BAC +6
- Risk Resilience58 vs 56Even
2 of 6 evidence groups favor MDU. MDU’s edge is concentrated in momentum; BAC keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
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 5 active signals are unchanged.
Largest factor move: Momentum +9
New signals
- BB Upper Band Breach — bearish, volatility, short horizon
MDU's lead widened by 3 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — BAC and MDU both carry a full feed there.
The central trade-off
MDU (MDU Resources Group, Inc.): the stronger current systematic profile, led by momentum.
BAC (Bank of America Corporation): the counter-case, on quality, value, fundamentals — but at materially higher volatility, 21.8% against 14.1%.
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
MDUMDU on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
BACBAC on combined revenue and EPS growth.
Value
BACBAC on the peer-relative Value factor, by 6 points.
Momentum
MDUMDU on the Momentum factor, by 32 points.
Lower downside
MDUMDU carries the lower 1-month annualized volatility.
Analyst upside
EvenAnalyst targets are level or not covered for both names.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | BAC | MDU | Note |
|---|---|---|---|
| Implied upside to target | +30.5% | +30.8% | Level |
| Target dispersion | +22.6% | 0% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 11 | 1 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | BAC | MDU |
|---|---|---|
| 5Y dividend CAGR | 8.45% | 11.21% |
| 2020 regular DPS | $0.720 | $0.318 |
| 2025 regular DPS | $1.080 | $0.540 |
| Years increased | 5 | 4 |
| No cut in window | Yes | No (1) |
| Cohort rank | #133 | not ranked |
MDU grew its split-adjusted regular dividend faster over 2020–2025 — 11.21% a year against BAC's 8.45%. BAC never reduced its regular dividend in the window; MDU did in 1 year.
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
2 of 6 covered evidence groups favor MDU. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | MDU | 46 vs 51 |
| Fundamentals | BAC | revenue growth -3.3% vs -38.1%; EPS growth -23.8% vs -74.4%; TTM ROE 10.7% vs 6.9%; gross margin 60.4% vs 42.4%; operating margin 22.4% vs 17% |
| Valuation | BAC | Value 57 vs 51 |
| Technicals | MDU | Price vs 50-day -13.2% vs -1%; vs 200-day -8.1% vs -7.4% |
| Risk Resilience | Even | Risk Resilience 58 vs 56 |
| Analyst expectations | Even | Target upside 30.5% vs 30.8% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of BAC and MDU 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 narrow at 5 points. (argues the conclusion is provisional)
- Only 2 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
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 MDU.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20MDU lead: Stable — the AIQ differential has held near 5 points over 30 sessions.
- Today
- MDU +5
- 46 vs 51
- 7 sessions ago
- MDU +5
- 41 vs 46
- 30 sessions ago
- MDU +3
- 40 vs 43
- 90 sessions ago
- BAC +8
- 54 vs 46
The lead changed hands 2 times in this window, most recently on Oct 19 when MDU moved ahead of BAC.
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 / 2 bearish / 1 neutral, conflicted
Only BAC
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Golden Cross Active — bullish, trend, long horizon (6.14%)
- Keltner Channel Breakdown — bearish, volatility, short horizon
- RSI Oversold - Potential Bounce — bullish, momentum, short horizon
- MACD Bearish Crossover — bearish, momentum, short horizon
1 bullish / 3 bearish, conflicted
Only MDU
- Death Cross Active — bearish, trend, long horizon (6.79%)
- BB Upper Band Breach — bearish, volatility, short horizon
- Downtrend Structure Active — bearish, trend, long horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
MDU leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
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 +0.28%, AIQ 0 points).
Price and the AIQ Score both moved up over the latest session (price +0.1%, AIQ +3 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.
- 1BAC closes the Momentum gap — currently 32 points behind, the largest single contributor to MDU's edge.
- 2BAC's Keltner Channel Breakdown resolves — a bearish volatility rule currently active against it.
- 3MDU's conflicting signal state resolves bearish — it currently carries 1 bullish and 3 bearish rules at once.
- 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
BAC leads on balance| Metric | BAC | MDU |
|---|---|---|
| Revenue growth (YoY) | -3.3% | -38.1% |
| EPS growth (YoY) | -23.8% | -74.4% |
| Gross margin | 60.4% | 42.4% |
| Operating margin | 22.4% | 17% |
| Return on equity (TTM) | 10.7% | 6.9% |
| Debt to equity | 1.28 | 0.88 |
Performance
MDU leads 5 of 6 windows| Metric | BAC | MDU |
|---|---|---|
| 1 week (5 sessions) | -6.2% | 2.5% |
| 1 month (20 sessions) | -9.9% | 2.9% |
| 3 months (63 sessions) | -16.5% | -9.5% |
| 6 months (126 sessions) | -5.3% | -10.8% |
| Year to date | -7.9% | -2.2% |
| 1 year (252 sessions) | 0.4% | 0.5% |
Technicals
MDU has the stronger structure| Metric | BAC | MDU |
|---|---|---|
| RSI (14) | 25.5 | 66.3 |
| ADX (14) | 48.6 | 24.5 |
| Price vs 50-day | -13.2% | -1% |
| Price vs 200-day | -8.1% | -7.4% |
| Volatility (1M, annualized) | 21.8% | 14.1% |
Risk
Split| Metric | BAC | MDU |
|---|---|---|
| Beta | 0.75 | 0.18 |
| Sharpe ratio | -0.13 | -0.12 |
| Sortino ratio | -0.16 | -0.17 |
| Max drawdown | -22.3% | -19.3% |
| Current drawdown | -21.9% | -16.2% |
| Annualized volatility | 21.9% | 20% |
| Value at risk (95%) | -2.5% | -2.1% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, BAC or MDU?
On the Algovestiq AIQ Score, MDU is the stronger of the two as of Oct 22, 2026, scoring 51 against BAC's 46. The edge comes from momentum. BAC is not without a case — it holds the better quality 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 MDU the better buy right now?
MDU carries the stronger systematic profile as of Oct 22, 2026, and the comparison is rated Fragile — 2 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 5 points. Treat the lead as provisional.
Why does the AIQ Score favor MDU over BAC?
The composite weights Quality, Value, Momentum and Risk Resilience. MDU leads Momentum by 32 points; BAC leads Quality by 6 points; BAC 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 MDU?
Analyst price targets imply +30.5% upside for BAC and +30.8% for MDU. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, BAC or MDU?
BAC is the better-valued of the two on the peer-relative Value factor. BAC 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 MDU?
BAC 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 MDU?
MDU on the Momentum factor, by 32 points. 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 MDU?
MDU is the more resilient of the two, so the other name carries the higher downside risk. MDU carries the lower 1-month annualized volatility. 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 MDU?
BAC leads on the comparable margin measures — gross margin 60.4% vs 42.4%; operating margin 22.4% vs 17%; ttm roe 10.7% vs 6.9%.
Is MDU's lead over BAC getting stronger or weaker?
MDU lead: Stable — the AIQ differential has held near 5 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has changed hands 2 times in that window, most recently on 2026-10-19, when MDU moved ahead of BAC.
What would change the BAC vs MDU verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: BAC closes the Momentum gap — currently 32 points behind, the largest single contributor to MDU's edge; BAC's Keltner Channel Breakdown resolves — a bearish volatility rule currently active against it; MDU's conflicting signal state resolves bearish — it currently carries 1 bullish and 3 bearish rules at once; 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 MDU?
BAC: 2 bullish / 2 bearish / 1 neutral, conflicted. MDU: 1 bullish / 3 bearish, 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 MDU it is Death Cross Active (bearish, long horizon).
Compare BAC and MDU with others
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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.