Side by sideBank of America (BAC) and Citi (C)Memos of October 15, 2026 and October 14, 2026
Bank of America vs Citi stock: the numbers side by side (October 2026)
How do Bank of America and Citi compare?
| Bank of America BAC | Citi C | |
|---|---|---|
| Revenue growth | 6.8%2025 | 5.6%2025 |
| Net interest margin | 2.0%2025 | 2.5%2025 |
| Efficiency ratio (lower is leaner) | 61.7%2025 | 64.7%2025 |
| Return on equity | 10.6%2025 | 6.8%2025 |
| CET1 capital ratio | 11.4%2025 | 13.2%2025 |
| Dividend yield | 2.5%Today (Oct 15, 2026) | 2.2%Today (Oct 14, 2026) |
| P/E, last 12 months | 12.2xToday (Oct 15, 2026) | 12.1xToday (Oct 14, 2026) |
| P/E, next 12 months | 11.3xToday (Oct 15, 2026) | 9.7xToday (Oct 14, 2026) |
| Weighted price forecast, about 1 year | 53.27 (+6 %)October 2027 | 127.77 (+5%)October 2027 |
| Weighted price forecast, about 3 years | 61.55 (+28 %)October 2029 | 164.73 (+39%)October 2029 |
Who leads on what?
| Leads | The lead is | |
|---|---|---|
| Revenue growth | Bank of America | The higher figure |
| Net interest margin | Citi | The higher figure |
| Efficiency ratio (lower is leaner) | Bank of America | The lower figure |
| Return on equity | Bank of America | The higher figure |
| CET1 capital ratio | Citi | The higher figure |
| Dividend yield | Bank of America | The higher figure |
| P/E, last 12 months | Citi | The lower figure |
| P/E, next 12 months | Citi | The lower figure |
| Weighted price forecast, about 1 year | Bank of America | The higher weighted return |
| Weighted price forecast, about 3 years | Citi | The higher weighted return |
What does each company do?
Bank of America serves households, businesses and institutional investors through consumer banking, lending, wealth, payments, investment banking—advising companies on raising money and major deals—and markets.
Bank of America (BAC), from our memo of October 15, 2026 · Bank of America stock forecast
Citi sells financial services to institutions, companies, public-sector clients, wealthy clients and U.S. consumers through Services, Markets, Banking, Wealth and U.S. Consumer Cards.
Citi (C), from our memo of October 14, 2026 · Citi stock forecast