First Bancorp (FBNC)vsJPMorgan Chase & Co (JPM)
FBNC
First Bancorp
$64.80
-0.28%
FINANCIAL SERVICES · Cap: $2.69B
JPM
JPMorgan Chase & Co
$342.98
-0.17%
FINANCIAL SERVICES · Cap: $895.04B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 41985% more annual revenue ($190.73B vs $453.20M). FBNC leads profitability with a 36.2% profit margin vs 34.6%. JPM appears more attractively valued with a PEG of 1.43. FBNC earns a higher WallStSmart Score of 77/100 (B+).
FBNC
Strong Buy77
out of 100
Grade: B+
JPM
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Revenue surging 49.3% year-over-year
Earnings expanding 152.3% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 42.6%
Generating 33.2B in free cash flow
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
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, Revenue Growth. Profitability is solid with margins at 36.2% and operating margin at 46.2%. Revenue growth of 49.3% 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 34.6% and operating margin at 42.6%. Revenue growth of 10.2% 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 Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.
Key Dynamics to Monitor
FBNC profiles as a growth stock while JPM is a mature play — different risk/reward profiles.
JPM carries more volatility with a beta of 1.01 — expect wider price swings.
FBNC is growing revenue faster at 49.3% — sustainability is the question.
JPM generates stronger free cash flow (33.2B), providing more financial flexibility.
Bottom Line
FBNC scores higher overall (77/100 vs 73/100), backed by strong 36.2% margins and 49.3% 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.
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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