WallStSmart

BOK Financial Corporation (BOKF)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 7697% more annual revenue ($173.56B vs $2.23B). JPM leads profitability with a 33.9% profit margin vs 27.6%. BOKF appears more attractively valued with a PEG of 1.46. BOKF earns a higher WallStSmart Score of 76/100 (B+).

BOKF

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 7.5Value: 6.3Quality: 4.0
Piotroski: 4/9Altman Z: -0.51

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

BOKF5 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.5%10/10

Strong operational efficiency at 37.5%

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
13.4x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
38.7%8/10

Earnings expanding 38.7% 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

BOKF1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.512/10

Distress zone — elevated risk

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 : BOKF

The strongest argument for BOKF centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.6% and operating margin at 37.5%. Revenue growth of 10.3% 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 : BOKF

The primary concerns for BOKF are Altman Z-Score.

Bear Case : JPM

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

Key Dynamics to Monitor

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

JPM is growing revenue faster at 12.7% — sustainability is the question.

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

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

Bottom Line

BOKF scores higher overall (76/100 vs 73/100), backed by strong 27.6% margins and 10.3% 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.

BOK Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

BOK Financial Corporation is the financial holding company for BOKF, NA offering various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas / Missouri. The company is headquartered in Tulsa, Oklahoma.

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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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