WallStSmart

Bar Harbor Bankshares Inc (BHB)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 100225% more annual revenue ($173.56B vs $173.00M). JPM leads profitability with a 33.9% profit margin vs 23.3%. BHB trades at a lower P/E of 14.0x. JPM earns a higher WallStSmart Score of 73/100 (B).

BHB

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 7.0Value: 6.0Quality: 4.3
Piotroski: 3/9

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BHB6 strengths · Avg: 8.8/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
42.2%10/10

Strong operational efficiency at 42.2%

Profit MarginProfitability
23.3%9/10

Keeps 23 of every $100 in revenue as profit

P/E RatioValuation
14.0x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
25.7%8/10

Revenue surging 25.7% year-over-year

EPS GrowthGrowth
22.6%8/10

Earnings expanding 22.6% YoY

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$828.64B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
43.0%10/10

Strong operational efficiency at 43.0%

Free Cash FlowQuality
$368.37B10/10

Generating 368.4B in free cash flow

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

BHB2 concerns · Avg: 3.0/10
Market CapQuality
$578.11M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

JPM3 concerns · Avg: 3.0/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Debt/EquityHealth
1.383/10

Elevated debt levels

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BHB

The strongest argument for BHB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 23.3% and operating margin at 42.2%. Revenue growth of 25.7% 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 43.0%. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : BHB

The primary concerns for BHB are Market Cap, Piotroski F-Score.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

BHB profiles as a growth stock while JPM is a mature play — different risk/reward profiles.

JPM carries more volatility with a beta of 1.04 — expect wider price swings.

BHB is growing revenue faster at 25.7% — sustainability is the question.

JPM generates stronger free cash flow (368.4B), providing more financial flexibility.

Bottom Line

JPM scores higher overall (73/100 vs 66/100), backed by strong 33.9% margins and 12.7% revenue growth. Both earn "Strong Buy" and "Strong 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.

Bar Harbor Bankshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bar Harbor Bankshares is the holding company of Bar Harbor Bank & Trust providing commercial banking, retail and wealth management services. The company is headquartered in Bar Harbor, Maine.

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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