Head-to-head verdict, factor overlay, rebased prices, and the metrics behind it — up to 5 tickers.
highest TENK Score (80) · ~+91% to fair value
Verdict = 50% TENK Score + 30% fair-value upside + 20% our rating, renormalized over available signals. SEC-grounded; an estimate, not advice.
| JPM JPMORGAN CHASE & CO $334.47 +0.12% | BAC BANK OF AMERICA CORP /DE/ $58.73 +0.63% | WFC WELLS FARGO & COMPANY/MN $85.51 -0.50% | GS GOLDMAN SACHS GROUP INC $1,021.00 +0.14% | |
|---|---|---|---|---|
| Our signals | ||||
| Our rating | Hold | Hold | Buy | |
Best-in-class bank firing on all cylinders, but earnings have plateaued and the stock now trades at a full ~2.5x book — own it, don't chase it.
long · 6/25/2026 · 1 caveat
Quality megabank with a powerful buyback engine, but a 10% ROE and ~1.9x tangible book make BAC a full-price hold, not a bargain.
long · 6/19/2026 · 2 caveats
Best value per metric is highlighted in green (direction-aware: lower is better for P/E, EV/EBITDA, EV/Sales, PEG and Debt/Equity). Prices are rebased to 100 at the window start. Fundamentals & our analytics derive from SEC filings; prices are display-only market data.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.
| Hold |
| TENK Score | 71 | 77 | 73 | 80best |
| Fair-value upside | -45% | +60% | +4% | +91%best |
| Valuation | ||||
|---|---|---|---|---|
| P/E | 16.7 | 15.4 | 13.7best | 19.9 |
| EV / EBITDA | — | — | — | — |
| EV / Sales | — | — | — | — |
| PEG | — | 1.18 | 1.67 | 0.98best |
| FCF yield | — | — | — | -15.6% |
| Growth | ||||
|---|---|---|---|---|
| Revenue growth (YoY) | +2.8% | +6.8%best | -1.6% | — |
| Net income growth (YoY) | -2.4% | +13.1% | +8.2% | +20.3%best |
| Profitability | ||||
|---|---|---|---|---|
| Net margin | 31.3%best | 27.0% | 25.1% | — |
| Return on equity | 15.7%best | 10.1% | 11.8% | 13.7% |
| ROIC (est.) | — | — | — | — |
| Health | ||||
|---|---|---|---|---|
| Liabilities / Equity | 11.21 | 10.25best | 10.85 | 13.48 |
| Altman Z | — | — | — | — |
| Piotroski | 3 / 9 | 5 / 9best | 3 / 9 | 4 / 9 |
| Shareholder yield | 5.3% | 5.5% | 8.7%best | 5.8% |
| Size | ||||
|---|---|---|---|---|
| Market cap | $902B | $421B | $264B | $303B |
Cheap at 13x P/E with double-digit EPS growth and a huge buyback — WFC's capital return and earnings recovery make it a buy.
long · 6/19/2026 · 2 caveats
Elite franchise compounding earnings off the 2023 trough, but a 21x multiple on cyclical peak EPS prices in the recovery — own, don't chase.
medium · 6/25/2026