WallStSmart

Dime Community Bancshares, Inc. (DCOM)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 40549% more annual revenue ($173.56B vs $426.96M). JPM leads profitability with a 33.9% profit margin vs 29.0%. JPM appears more attractively valued with a PEG of 1.67. JPM earns a higher WallStSmart Score of 73/100 (B).

DCOM

Strong Buy

70

out of 100

Grade: B-

Growth: 8.7Profit: 7.5Value: 5.0Quality: 5.0

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

DCOM6 strengths · Avg: 9.2/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
44.2%10/10

Strong operational efficiency at 44.2%

EPS GrowthGrowth
65.9%10/10

Earnings expanding 65.9% YoY

Profit MarginProfitability
29.0%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
13.9x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
18.1%8/10

18.1% revenue growth

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$820.65B10/10

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
14.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

DCOM2 concerns · Avg: 2.5/10
Market CapQuality
$1.63B3/10

Smaller company, higher risk/reward

PEG RatioValuation
3.762/10

Expensive relative to growth rate

JPM4 concerns · Avg: 2.8/10
PEG RatioValuation
1.674/10

Expensive relative to growth rate

Debt/EquityHealth
1.383/10

Elevated debt levels

Free Cash FlowQuality
$-211.76B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : DCOM

The strongest argument for DCOM centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 29.0% and operating margin at 44.2%. Revenue growth of 18.1% 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 : DCOM

The primary concerns for DCOM are Market Cap, PEG Ratio.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Debt/Equity, Free Cash Flow.

Key Dynamics to Monitor

DCOM 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.

DCOM is growing revenue faster at 18.1% — sustainability is the question.

DCOM generates stronger free cash flow (47M), providing more financial flexibility.

Bottom Line

JPM scores higher overall (73/100 vs 70/100), 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.

Dime Community Bancshares, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Dime Community Bancshares, Inc. is the parent company of Dime Community Bank providing commercial banking and financial services in New York. The company is headquartered in Hauppauge, New York.

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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