WallStSmart

Primis Financial Corp (FRST)vsJPMorgan Chase & Co (JPM)

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Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 86307% more annual revenue ($190.73B vs $220.74M). JPM leads profitability with a 34.6% profit margin vs 24.9%. FRST trades at a lower P/E of 6.7x. JPM earns a higher WallStSmart Score of 73/100 (B).

FRST

Strong Buy

71

out of 100

Grade: B

Growth: 8.7Profit: 6.5Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: -0.37

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 6.3Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FRST6 strengths · Avg: 8.8/10
P/E RatioValuation
6.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.9%9/10

Keeps 25 of every $100 in revenue as profit

Operating MarginProfitability
24.0%8/10

Strong operational efficiency at 24.0%

Revenue GrowthGrowth
17.1%8/10

17.1% revenue growth

EPS GrowthGrowth
26.2%8/10

Earnings expanding 26.2% YoY

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$895.04B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
34.6%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
42.6%10/10

Strong operational efficiency at 42.6%

Free Cash FlowQuality
$33.16B10/10

Generating 33.2B in free cash flow

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

FRST2 concerns · Avg: 2.5/10
Market CapQuality
$367.52M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.372/10

Distress zone — elevated risk

JPM2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.321/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : FRST

The strongest argument for FRST centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.9% and operating margin at 24.0%. Revenue growth of 17.1% 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 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.

Bear Case : FRST

The primary concerns for FRST are Market Cap, 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

FRST 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.

FRST is growing revenue faster at 17.1% — sustainability is the question.

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

Bottom Line

JPM scores higher overall (73/100 vs 71/100), backed by strong 34.6% margins and 10.2% 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.

Primis Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Primis Financial Corp. The company is headquartered in McLean, Virginia.

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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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