WallStSmart

Business First Bancshares Inc (BFST)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 53475% more annual revenue ($173.56B vs $323.96M). JPM leads profitability with a 33.9% profit margin vs 28.1%. BFST trades at a lower P/E of 10.0x. JPM earns a higher WallStSmart Score of 73/100 (B).

BFST

Buy

63

out of 100

Grade: C+

Growth: 6.7Profit: 7.5Value: 6.7Quality: 5.0
Piotroski: 6/9Altman Z: -0.63

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BFST4 strengths · Avg: 9.8/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.5%10/10

Strong operational efficiency at 36.5%

Profit MarginProfitability
28.1%9/10

Keeps 28 of every $100 in revenue as profit

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$806.43B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

P/E RatioValuation
14.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

BFST3 concerns · Avg: 3.0/10
EPS GrowthGrowth
4.6%4/10

4.6% earnings growth

Market CapQuality
$919.88M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.632/10

Distress zone — elevated risk

JPM4 concerns · Avg: 2.3/10
PEG RatioValuation
1.574/10

Expensive relative to growth rate

Free Cash FlowQuality
$-211.76B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.391/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BFST

The strongest argument for BFST centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 36.5%. Revenue growth of 14.8% demonstrates continued momentum.

Bull Case : JPM

The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.7%. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : BFST

The primary concerns for BFST are EPS Growth, Market Cap, Altman Z-Score.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.39 is elevated, increasing financial risk.

Key Dynamics to Monitor

JPM carries more volatility with a beta of 1.02 — expect wider price swings.

BFST is growing revenue faster at 14.8% — sustainability is the question.

BFST generates stronger free cash flow (27M), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

JPM scores higher overall (73/100 vs 63/100), backed by strong 33.9% margins and 12.7% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Business First Bancshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Business First Bancshares, Inc. is the banking holding company for b1BANK offering various banking products and services. The company is headquartered in Baton Rouge, Louisiana.

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JPMorgan Chase & Co

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.

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