First Bancorp (FBNC)vsJPMorgan Chase & Co (JPM)
FBNC
First Bancorp
$64.72
+0.08%
FINANCIAL SERVICES · Cap: $2.60B
JPM
JPMorgan Chase & Co
$359.80
+0.63%
FINANCIAL SERVICES · Cap: $916.31B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 45266% more annual revenue ($186.33B vs $410.72M). JPM leads profitability with a 34.9% profit margin vs 32.4%. FBNC appears more attractively valued with a PEG of 1.56. JPM earns a higher WallStSmart Score of 81/100 (A-).
FBNC
Strong Buy73
out of 100
Grade: B
JPM
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 51.2%
Conservative balance sheet, low leverage
Reasonable price relative to book value
15.9% revenue growth
Earnings expanding 31.1% YoY
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Revenue surging 30.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FBNC
The strongest argument for FBNC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 32.4% and operating margin at 51.2%. Revenue growth of 15.9% 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 : FBNC
The primary concerns for FBNC are PEG Ratio, Return on Equity, 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
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.
FBNC generates stronger free cash flow (125M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JPM scores higher overall (81/100 vs 73/100), 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.
First Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.
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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