WallStSmart

Eagle Bancorp Montana Inc (EBMT)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 200648% more annual revenue ($186.33B vs $92.82M). JPM leads profitability with a 34.9% profit margin vs 16.8%. EBMT appears more attractively valued with a PEG of 1.06. JPM earns a higher WallStSmart Score of 81/100 (A-).

EBMT

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 6.5Value: 7.0Quality: 5.8
Piotroski: 7/9Altman Z: 0.15

JPM

Exceptional Buy

81

out of 100

Grade: A-

Growth: 10.0Profit: 8.0Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EBMT4 strengths · Avg: 9.0/10
P/E RatioValuation
11.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
24.0%8/10

Strong operational efficiency at 24.0%

EPS GrowthGrowth
24.3%8/10

Earnings expanding 24.3% YoY

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$900.78B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
34.9%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
50.4%10/10

Strong operational efficiency at 50.4%

Revenue GrowthGrowth
30.4%10/10

Revenue surging 30.4% year-over-year

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

EBMT3 concerns · Avg: 2.3/10
Market CapQuality
$185.99M3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-5.18M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.152/10

Distress zone — elevated risk

JPM4 concerns · Avg: 2.3/10
PEG RatioValuation
1.734/10

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
3.301/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : EBMT

The strongest argument for EBMT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.8% and operating margin at 24.0%. Revenue growth of 11.6% 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 34.9% and operating margin at 50.4%. Revenue growth of 30.4% demonstrates continued momentum.

Bear Case : EBMT

The primary concerns for EBMT are Market Cap, Free Cash Flow, Altman Z-Score.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.30 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

JPM carries more volatility with a beta of 0.98 — expect wider price swings.

JPM is growing revenue faster at 30.4% — sustainability is the question.

EBMT generates stronger free cash flow (-5M), providing more financial flexibility.

Bottom Line

JPM scores higher overall (81/100 vs 69/100), backed by strong 34.9% margins and 30.4% revenue growth. Both earn "Exceptional 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.

Eagle Bancorp Montana Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Eagle Bancorp Montana, Inc. is the banking holding company for Opportunity Bank of Montana offering a variety of retail banking products and services to small businesses and individuals in Montana. The company is headquartered in Helena, Montana.

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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