JPMorgan Chase & Co (JPM)vsNational Bank Holdings Corporation (NBHC)
JPM
JPMorgan Chase & Co
$357.52
+0.34%
FINANCIAL SERVICES · Cap: $916.31B
NBHC
National Bank Holdings Corporation
$42.62
-0.54%
FINANCIAL SERVICES · Cap: $1.92B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 41099% more annual revenue ($186.33B vs $452.27M). JPM leads profitability with a 34.9% profit margin vs 21.8%. NBHC appears more attractively valued with a PEG of 1.57. JPM earns a higher WallStSmart Score of 81/100 (A-).
JPM
Exceptional Buy81
out of 100
Grade: A-
NBHC
Buy61
out of 100
Grade: C+
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
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 27.5%
Revenue surging 22.1% year-over-year
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 7.1% — below average capital efficiency
Earnings declined 34.1%
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 : NBHC
The strongest argument for NBHC centers on Price/Book, Profit Margin, Debt/Equity. Profitability is solid with margins at 21.8% and operating margin at 27.5%. Revenue growth of 22.1% 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 : NBHC
The primary concerns for NBHC are PEG Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
JPM carries more volatility with a beta of 0.98 — expect wider price swings.
JPM is growing revenue faster at 30.4% — sustainability is the question.
NBHC generates stronger free cash flow (-62M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JPM scores higher overall (81/100 vs 61/100), backed by strong 34.9% margins and 30.4% revenue growth. Both earn "Exceptional 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.
Visit Website →National Bank Holdings Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
National Bank Holdings Corporation is the banking holding company for NBH Bank offering various banking products and financial services to commercial, commercial and consumer clients in the United States. The company is headquartered in Greenwood Village, Colorado.
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