Civista Bancshares Inc (CIVB)vsJPMorgan Chase & Co (JPM)
CIVB
Civista Bancshares Inc
$25.07
+0.80%
FINANCIAL SERVICES · Cap: $516.88M
JPM
JPMorgan Chase & Co
$313.23
-0.24%
FINANCIAL SERVICES · Cap: $828.64B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 97411% more annual revenue ($173.56B vs $177.99M). JPM leads profitability with a 33.9% profit margin vs 28.7%. CIVB appears more attractively valued with a PEG of 1.37. CIVB earns a higher WallStSmart Score of 75/100 (B).
CIVB
Strong Buy75
out of 100
Grade: B
JPM
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 40.0%
Keeps 29 of every $100 in revenue as profit
Revenue surging 22.6% year-over-year
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Generating 368.4B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CIVB
The strongest argument for CIVB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 40.0%. Revenue growth of 22.6% 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 : CIVB
The primary concerns for CIVB are Market Cap.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
CIVB 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.
CIVB is growing revenue faster at 22.6% — sustainability is the question.
JPM generates stronger free cash flow (368.4B), providing more financial flexibility.
Bottom Line
CIVB scores higher overall (75/100 vs 73/100), backed by strong 28.7% margins and 22.6% 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.
Civista Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Civista Bancshares, Inc. is Civista Bank's financial holding company providing community banking services. The company is headquartered in Sandusky, Ohio.
Visit Website →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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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