JPMorgan Chase & Co (JPM)vsMerchants Bancorp (MBIN)
JPM
JPMorgan Chase & Co
$356.23
+0.76%
FINANCIAL SERVICES · Cap: $946.93B
MBIN
Merchants Bancorp
$53.15
+0.32%
FINANCIAL SERVICES · Cap: $2.45B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 29366% more annual revenue ($186.33B vs $632.34M). MBIN leads profitability with a 42.5% profit margin vs 34.9%. MBIN trades at a lower P/E of 10.7x. JPM earns a higher WallStSmart Score of 81/100 (A-).
JPM
Exceptional Buy81
out of 100
Grade: A-
MBIN
Strong Buy75
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 61.1%
Revenue surging 37.1% year-over-year
Earnings expanding 146.7% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Elevated debt levels
Weak financial health signals
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 : MBIN
The strongest argument for MBIN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 42.5% and operating margin at 61.1%. Revenue growth of 37.1% 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 : MBIN
The primary concerns for MBIN are Debt/Equity, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 1.79 is elevated, increasing financial risk.
Key Dynamics to Monitor
MBIN carries more volatility with a beta of 1.16 — expect wider price swings.
MBIN is growing revenue faster at 37.1% — sustainability is the question.
MBIN generates stronger free cash flow (395M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JPM scores higher overall (81/100 vs 75/100), 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 →Merchants Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Merchants Bancorp is the diversified bank holding company in the United States. The company is headquartered in Carmel, Indiana.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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