BAC vs MTH Stock Comparison
MTH currently leads BAC in this stock comparison, with AIQ scores of 49 vs 46. The clearest difference is momentum, while BAC has the stronger quality profile.
What is the main difference between BAC and MTH?
MTH leads the current stock comparison as Meritage Homes Corporation, with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Bank of America Corporation vs Meritage Homes Corporation
MTH leads
MTH leads by 3 AIQ points, primarily on Momentum and Value, but the lead has narrowed from 11 points over 30 sessions.
Fragile: 2 of 6 evidence groups support MTH, its lead is narrowing, and its current signal state is conflicted.
Bank of America Corporation
Meritage Homes Corporation
The Algovestiq AIQ Score currently favors MTH over BAC, 49 versus 46 as of Oct 22, 2026. MTH's advantage is driven primarily by stronger momentum and value, while BAC holds the stronger quality profile. MTH also shows the stronger technical structure relative to its 50-day moving average. 2 of 6 covered evidence groups favor MTH today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 3 points. MTH lead: Weakening — the AIQ differential moved from 11 to 3 points over 30 sessions.
Compare Bank of America Corporation and Meritage Homes Corporation 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 MTH 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.
- Momentum24 vs 35MTH +11
- Quality49 vs 39BAC +10
- Value57 vs 65MTH +8
- Risk Resilience58 vs 59Even
2 of 6 evidence groups favor MTH. MTH’s edge is concentrated in momentum and value; 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 +8
New signals
- MACD Bullish Crossover — bullish, momentum, short horizon
MTH's lead widened by 2 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — BAC and MTH both carry a full feed there.
The central trade-off
MTH (Meritage Homes Corporation): the stronger current systematic profile, led by momentum and value.
BAC (Bank of America Corporation): the counter-case, on quality, fundamentals.
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
MTHMTH on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
MTHMTH on combined revenue and EPS growth.
Value
MTHMTH on the peer-relative Value factor, by 8 points.
Momentum
MTHMTH on the Momentum factor, by 11 points.
Lower downside
BACBAC carries the lower 1-month annualized volatility.
Analyst upside
MTHMTH on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | BAC | MTH | Note |
|---|---|---|---|
| Implied upside to target | +30.5% | +34.9% | MTH has more room |
| Target dispersion | +22.6% | +35% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 11 | 4 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
2 of 6 covered evidence groups favor MTH. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 46 vs 49 |
| Fundamentals | BACon balance | revenue growth -3.3% vs 31%; EPS growth -23.8% vs 67.1%; TTM ROE 10.7% vs 6.4%; gross margin 60.4% vs 18.9%; operating margin 22.4% vs 8.4% — BAC takes 3 of 5 decided legs, not all of them |
| Valuation | MTH | Value 57 vs 65 |
| Technicals | Even | Price vs 50-day -13.2% vs -9.8%; vs 200-day -8.1% vs -13% |
| Risk Resilience | Even | Risk Resilience 58 vs 59 |
| Analyst expectations | MTH | Target upside 30.5% vs 34.9% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of BAC and MTH 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 3 points. (argues the conclusion is provisional)
- Only 2 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been narrowing. (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 MTH.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20MTH lead: Weakening — the AIQ differential moved from 11 to 3 points over 30 sessions.
- Today
- MTH +3
- 46 vs 49
- 7 sessions ago
- MTH +6
- 41 vs 47
- 30 sessions ago
- MTH +11
- 40 vs 51
- 90 sessions ago
- BAC +2
- 54 vs 52
The lead changed hands 7 times in this window, most recently on Sep 14 when MTH 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 / 2 bearish / 1 neutral, conflicted
Only MTH
- Death Cross Active — bearish, trend, long horizon (5.25%)
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (3.60%)
- Downtrend Structure Active — bearish, trend, long horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
MTH 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 is down while the AIQ Score moved up 2 points over the same session — price and model disagree (price -1.51%, AIQ +2 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 11 points behind, the largest single contributor to MTH's edge.
- 2BAC's Keltner Channel Breakdown resolves — a bearish volatility rule currently active against it.
- 3MTH's conflicting signal state resolves bearish — it currently carries 1 bullish and 2 bearish rules at once.
- 4The narrowing continues — the lead has already given back 8 points over 30 sessions, and a further 3-point move would eliminate MTH's advantage entirely.
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 | MTH |
|---|---|---|
| Revenue growth (YoY) | -3.3% | 31% |
| EPS growth (YoY) | -23.8% | 67.1% |
| Gross margin | 60.4% | 18.9% |
| Operating margin | 22.4% | 8.4% |
| Return on equity (TTM) | 10.7% | 6.4% |
| Debt to equity | 1.28 | 0.37 |
Performance
BAC leads 4 of 6 windows| Metric | BAC | MTH |
|---|---|---|
| 1 week (5 sessions) | -6.2% | 3.4% |
| 1 month (20 sessions) | -9.9% | -9.3% |
| 3 months (63 sessions) | -16.5% | -16.7% |
| 6 months (126 sessions) | -5.3% | -13.3% |
| Year to date | -7.9% | -8.5% |
| 1 year (252 sessions) | 0.4% | -13.7% |
Technicals
Split| Metric | BAC | MTH |
|---|---|---|
| RSI (14) | 25.5 | 42.2 |
| ADX (14) | 48.6 | 26.1 |
| Price vs 50-day | -13.2% | -9.8% |
| Price vs 200-day | -8.1% | -13% |
| Volatility (1M, annualized) | 21.8% | 35.2% |
Risk
Split| Metric | BAC | MTH |
|---|---|---|
| Beta | 0.75 | 1.06 |
| Sharpe ratio | -0.13 | -0.31 |
| Sortino ratio | -0.16 | -0.6 |
| Max drawdown | -22.3% | -32.1% |
| Current drawdown | -21.9% | -29.3% |
| Annualized volatility | 21.9% | 38.4% |
| Value at risk (95%) | -2.5% | -3.7% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, BAC or MTH?
On the Algovestiq AIQ Score, MTH is the stronger of the two as of Oct 22, 2026, scoring 49 against BAC's 46. The edge comes from momentum and value. 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 MTH the better buy right now?
MTH 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 3 points. Treat the lead as provisional.
Why does the AIQ Score favor MTH over BAC?
The composite weights Quality, Value, Momentum and Risk Resilience. MTH leads Momentum by 11 points; BAC leads Quality by 10 points; MTH leads Value by 8 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, BAC or MTH?
Analyst price targets imply +30.5% upside for BAC and +34.9% for MTH, so the Street currently favors MTH. 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 MTH?
MTH is the better-valued of the two on the peer-relative Value factor. MTH on the peer-relative Value factor, by 8 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 MTH?
MTH 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 MTH?
MTH on the Momentum factor, by 11 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 MTH?
BAC is the more resilient of the two, so the other name carries the higher downside risk. BAC 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 MTH?
BAC leads on the comparable margin measures — gross margin 60.4% vs 18.9%; operating margin 22.4% vs 8.4%; ttm roe 10.7% vs 6.4%.
Is MTH's lead over BAC getting stronger or weaker?
MTH lead: Weakening — the AIQ differential moved from 11 to 3 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 7 times in that window, most recently on 2026-09-14, when MTH moved ahead of BAC.
What would change the BAC vs MTH verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: BAC closes the Momentum gap — currently 11 points behind, the largest single contributor to MTH's edge; BAC's Keltner Channel Breakdown resolves — a bearish volatility rule currently active against it; MTH's conflicting signal state resolves bearish — it currently carries 1 bullish and 2 bearish rules at once; the narrowing continues — the lead has already given back 8 points over 30 sessions, and a further 3-point move would eliminate MTH's advantage entirely.
What do the current signals say about BAC and MTH?
BAC: 2 bullish / 2 bearish / 1 neutral, conflicted. MTH: 1 bullish / 2 bearish / 1 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 MTH it is Death Cross Active (bearish, long horizon).
Compare BAC and MTH 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.