WallStSmart

FS Bancorp Inc (FSBW)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 120395% more annual revenue ($173.56B vs $144.04M). JPM leads profitability with a 33.9% profit margin vs 23.0%. FSBW appears more attractively valued with a PEG of 1.35. JPM earns a higher WallStSmart Score of 73/100 (B).

FSBW

Strong Buy

67

out of 100

Grade: B-

Growth: 5.3Profit: 7.0Value: 7.0Quality: 4.5
Piotroski: 4/9Altman Z: -0.61

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FSBW4 strengths · Avg: 9.8/10
P/E RatioValuation
9.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.5%10/10

Strong operational efficiency at 32.5%

Profit MarginProfitability
23.0%9/10

Keeps 23 of every $100 in revenue as profit

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$828.64B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
43.0%10/10

Strong operational efficiency at 43.0%

Free Cash FlowQuality
$368.37B10/10

Generating 368.4B in free cash flow

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

FSBW4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.6%4/10

2.6% revenue growth

EPS GrowthGrowth
1.0%4/10

1.0% earnings growth

Market CapQuality
$311.24M3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-3.35M2/10

Negative free cash flow — burning cash

JPM3 concerns · Avg: 3.0/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Debt/EquityHealth
1.383/10

Elevated debt levels

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : FSBW

The strongest argument for FSBW centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 23.0% and operating margin at 32.5%. PEG of 1.35 suggests the stock is reasonably priced for its growth.

Bull Case : JPM

The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.0%. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : FSBW

The primary concerns for FSBW are Revenue Growth, EPS Growth, Market Cap.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

FSBW profiles as a value stock while JPM is a mature play — different risk/reward profiles.

JPM carries more volatility with a beta of 1.04 — expect wider price swings.

JPM is growing revenue faster at 12.7% — sustainability is the question.

JPM generates stronger free cash flow (368.4B), providing more financial flexibility.

Bottom Line

JPM scores higher overall (73/100 vs 67/100), backed by strong 33.9% margins and 12.7% 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.

FS Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

FS Bancorp, Inc. is a bank holding company for 1st Security Bank of Washington providing banking and financial services to local families, local and regional businesses, and industry niches. The company is headquartered in Mountlake Terrace, Washington.

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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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