WallStSmart

First Busey Corp (BUSE)vsJPMorgan Chase & Co (JPM)

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Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 23187% more annual revenue ($190.73B vs $819.07M). JPM leads profitability with a 34.6% profit margin vs 28.1%. JPM appears more attractively valued with a PEG of 1.43. JPM earns a higher WallStSmart Score of 73/100 (B).

BUSE

Buy

62

out of 100

Grade: C+

Growth: 6.0Profit: 7.5Value: 6.3Quality: 6.5
Piotroski: 3/9Altman Z: -0.02

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 6.3Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BUSE5 strengths · Avg: 9.6/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
42.4%10/10

Strong operational efficiency at 42.4%

Profit MarginProfitability
28.1%9/10

Keeps 28 of every $100 in revenue as profit

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$895.04B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
34.6%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
42.6%10/10

Strong operational efficiency at 42.6%

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

BUSE4 concerns · Avg: 2.8/10
PEG RatioValuation
1.914/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-6.8%2/10

Revenue declined 6.8%

Altman Z-ScoreHealth
-0.022/10

Distress zone — elevated risk

JPM2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.321/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BUSE

The strongest argument for BUSE centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 42.4%.

Bull Case : JPM

The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.

Bear Case : BUSE

The primary concerns for BUSE are PEG Ratio, Piotroski F-Score, Revenue Growth.

Bear Case : JPM

The primary concerns for JPM are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.

Key Dynamics to Monitor

BUSE profiles as a declining stock while JPM is a mature play — different risk/reward profiles.

JPM carries more volatility with a beta of 1.01 — expect wider price swings.

JPM is growing revenue faster at 10.2% — sustainability is the question.

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

Bottom Line

JPM scores higher overall (73/100 vs 62/100), backed by strong 34.6% margins and 10.2% 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.

First Busey Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Busey Corporation is the banking holding company for Busey Bank offering retail and commercial banking products and services to individual, corporate, institutional and government clients in the United States. The company is headquartered in Champaign, Illinois.

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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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