WallStSmart

Coastal Financial Corp (CCB)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 47670% more annual revenue ($173.56B vs $363.32M). JPM leads profitability with a 33.9% profit margin vs 13.6%. JPM trades at a lower P/E of 14.4x. JPM earns a higher WallStSmart Score of 73/100 (B).

CCB

Buy

57

out of 100

Grade: C

Growth: 8.7Profit: 6.0Value: 5.3Quality: 7.3
Piotroski: 3/9

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

CCB4 strengths · Avg: 8.3/10
Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
17.0%8/10

17.0% revenue growth

EPS GrowthGrowth
23.8%8/10

Earnings expanding 23.8% YoY

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$807.58B10/10

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

CCB2 concerns · Avg: 3.0/10
Market CapQuality
$1.08B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

JPM4 concerns · Avg: 2.3/10
PEG RatioValuation
1.604/10

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 : CCB

The strongest argument for CCB centers on Debt/Equity, Price/Book, Revenue Growth. Revenue growth of 17.0% 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 : CCB

The primary concerns for CCB are Market Cap, Piotroski F-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

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

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

CCB is growing revenue faster at 17.0% — sustainability is the question.

CCB generates stronger free cash flow (74M), providing more financial flexibility.

Bottom Line

JPM scores higher overall (73/100 vs 57/100), 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.

Coastal Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Coastal Financial Corporation is the banking holding company for Coastal Community Bank offering various banking products and services to small and medium-sized businesses, professionals and individuals in the Puget Sound region of Washington. The company is headquartered in Everett, Washington.

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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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