WallStSmart

FB Bancorp, Inc. Common Stock (FBLA)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 369855% more annual revenue ($186.33B vs $50.37M). JPM leads profitability with a 34.9% profit margin vs 1.3%. JPM trades at a lower P/E of 15.3x. JPM earns a higher WallStSmart Score of 81/100 (A-).

FBLA

Avoid

29

out of 100

Grade: F

Growth: 2.0Profit: 4.5Value: 4.0Quality: 4.0
Piotroski: 3/9Altman Z: 0.02

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

FBLA1 strengths · Avg: 10.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$916.31B10/10

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
15.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

FBLA4 concerns · Avg: 3.0/10
Market CapQuality
$250.99M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.2%3/10

ROE of 0.2% — below average capital efficiency

Profit MarginProfitability
1.3%3/10

1.3% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

JPM4 concerns · Avg: 2.3/10
PEG RatioValuation
1.724/10

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 : FBLA

The strongest argument for FBLA centers on Price/Book.

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 : FBLA

The primary concerns for FBLA are Market Cap, Return on Equity, Profit Margin. A P/E of 74.4x leaves little room for execution misses. Thin 1.3% margins leave little buffer for downturns.

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

FBLA profiles as a value stock while JPM is a growth play — different risk/reward profiles.

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

FBLA generates stronger free cash flow (13M), providing more financial flexibility.

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

Bottom Line

JPM scores higher overall (81/100 vs 29/100), backed by strong 34.9% margins and 30.4% revenue growth. Both earn "Exceptional Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

FB Bancorp, Inc. Common Stock

FINANCIAL SERVICES · BANKS - REGIONAL · USA

FB Bancorp, Inc. is a community-focused financial institution that specializes in delivering customized banking solutions to individuals and small to medium-sized businesses. The company offers a comprehensive portfolio of products, including commercial and residential loans, as well as a range of deposit accounts, enabling it to effectively meet the diverse needs of its clientele. With a strong commitment to exceptional customer service and active community involvement, FB Bancorp is well-positioned to leverage operational efficiencies and adapt to the dynamic financial landscape, thereby sustaining its competitive edge in the regional banking sector.

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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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