WallStSmart

Glacier Bancorp Inc (GBCI)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 16611% more annual revenue ($173.56B vs $1.04B). JPM leads profitability with a 33.9% profit margin vs 25.7%. JPM appears more attractively valued with a PEG of 1.65. GBCI earns a higher WallStSmart Score of 77/100 (B+).

GBCI

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 5.0Quality: 6.3
Piotroski: 4/9Altman Z: 1.16

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

GBCI5 strengths · Avg: 9.4/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.0%10/10

Strong operational efficiency at 41.0%

Revenue GrowthGrowth
41.4%10/10

Revenue surging 41.4% year-over-year

Profit MarginProfitability
25.7%9/10

Keeps 26 of every $100 in revenue as profit

EPS GrowthGrowth
31.1%8/10

Earnings expanding 31.1% YoY

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

GBCI3 concerns · Avg: 3.0/10
PEG RatioValuation
1.754/10

Expensive relative to growth rate

Return on EquityProfitability
7.1%3/10

ROE of 7.1% — below average capital efficiency

Altman Z-ScoreHealth
1.162/10

Distress zone — elevated risk

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 : GBCI

The strongest argument for GBCI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.7% and operating margin at 41.0%. Revenue growth of 41.4% 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 33.9% and operating margin at 43.0%. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : GBCI

The primary concerns for GBCI are PEG Ratio, Return on Equity, Altman Z-Score.

Bear Case : JPM

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

Key Dynamics to Monitor

GBCI profiles as a growth 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.

GBCI is growing revenue faster at 41.4% — sustainability is the question.

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

Bottom Line

GBCI scores higher overall (77/100 vs 73/100), backed by strong 25.7% margins and 41.4% 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.

Glacier Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Glacier Bancorp, Inc. is the bank holding company for Glacier Bank providing commercial banking services to individuals, small and medium-sized businesses, community organizations, and public entities in the United States. The company is headquartered in Kalispell, Montana.

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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