JPMorgan Chase & Co (JPM)vsLive Oak Bancshares, Inc. (LOB)
JPM
JPMorgan Chase & Co
$342.91
+1.33%
FINANCIAL SERVICES · Cap: $897.22B
LOB
Live Oak Bancshares, Inc.
$37.27
+0.49%
FINANCIAL SERVICES · Cap: $1.75B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 35298% more annual revenue ($186.33B vs $526.38M). JPM leads profitability with a 34.9% profit margin vs 26.5%. LOB trades at a lower P/E of 13.3x. JPM earns a higher WallStSmart Score of 81/100 (A-).
JPM
Exceptional Buy81
out of 100
Grade: A-
LOB
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Strong operational efficiency at 38.8%
Conservative balance sheet, low leverage
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 45.1% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : LOB
The strongest argument for LOB centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 26.5% and operating margin at 38.8%. Revenue growth of 12.2% demonstrates continued momentum.
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.
Bear Case : LOB
The primary concerns for LOB are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
JPM profiles as a growth stock while LOB is a mature play — different risk/reward profiles.
LOB carries more volatility with a beta of 1.87 — expect wider price swings.
JPM is growing revenue faster at 30.4% — sustainability is the question.
LOB generates stronger free cash flow (28M), providing more financial flexibility.
Bottom Line
JPM scores higher overall (81/100 vs 70/100), 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.
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.
Visit Website →Live Oak Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Live Oak Bancshares, Inc. is the banking holding company for Live Oak Banking Company offering a variety of commercial banking products and services to individuals, small businesses and professionals in North Carolina, United States. The company is headquartered in Wilmington, North Carolina.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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