JPMorgan Chase & Co (JPM)vsNBT Bancorp Inc (NBTB)
JPM
JPMorgan Chase & Co
$302.10
-1.36%
FINANCIAL SERVICES · Cap: $820.65B
NBTB
NBT Bancorp Inc
$45.59
+1.15%
FINANCIAL SERVICES · Cap: $2.35B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 24816% more annual revenue ($173.56B vs $696.57M). JPM leads profitability with a 33.9% profit margin vs 26.4%. JPM appears more attractively valued with a PEG of 1.67. NBTB earns a higher WallStSmart Score of 74/100 (B).
JPM
Strong Buy73
out of 100
Grade: B
NBTB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 39.1%
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 21.6% year-over-year
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
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 33.9% and operating margin at 43.7%. Revenue growth of 12.7% demonstrates continued momentum.
Bull Case : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 39.1%. Revenue growth of 21.6% demonstrates continued momentum.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Free Cash Flow.
Bear Case : NBTB
The primary concerns for NBTB are PEG Ratio.
Key Dynamics to Monitor
JPM profiles as a mature stock while NBTB is a growth play — different risk/reward profiles.
JPM carries more volatility with a beta of 1.02 — expect wider price swings.
NBTB is growing revenue faster at 21.6% — sustainability is the question.
NBTB generates stronger free cash flow (53M), providing more financial flexibility.
Bottom Line
NBTB scores higher overall (74/100 vs 73/100), backed by strong 26.4% margins and 21.6% 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.
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 →NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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