WallStSmart

JPMorgan Chase & Co (JPM)vsFirst Western Financial Inc (MYFW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 172659% more annual revenue ($173.56B vs $100.46M). JPM leads profitability with a 33.9% profit margin vs 15.1%. JPM trades at a lower P/E of 14.8x. JPM earns a higher WallStSmart Score of 73/100 (B).

JPM

Strong Buy

73

out of 100

Grade: B

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

MYFW

Buy

63

out of 100

Grade: C+

Growth: 8.0Profit: 6.5Value: 6.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

MYFW4 strengths · Avg: 8.5/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

P/E RatioValuation
18.0x8/10

Attractively priced relative to earnings

Operating MarginProfitability
28.8%8/10

Strong operational efficiency at 28.8%

EPS GrowthGrowth
46.5%8/10

Earnings expanding 46.5% YoY

Areas to Watch

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

MYFW3 concerns · Avg: 2.7/10
Market CapQuality
$269.69M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.7%3/10

ROE of 5.7% — below average capital efficiency

Free Cash FlowQuality
$-13.41M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : MYFW

The strongest argument for MYFW centers on Price/Book, P/E Ratio, Operating Margin. Profitability is solid with margins at 15.1% and operating margin at 28.8%. Revenue growth of 14.4% demonstrates continued momentum.

Bear Case : JPM

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

Bear Case : MYFW

The primary concerns for MYFW are Market Cap, Return on Equity, Free Cash Flow.

Key Dynamics to Monitor

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

MYFW is growing revenue faster at 14.4% — sustainability is the question.

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

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

Bottom Line

JPM scores higher overall (73/100 vs 63/100), backed by strong 33.9% margins and 12.7% revenue growth. Both earn "Strong Buy" and "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.

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First Western Financial Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Western Financial, Inc., a financial holding company, provides wealth management, private banking, personal trust, investment management, home loan, and institutional asset management services. The company is headquartered in Denver, Colorado.

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