JPMorgan Chase & Co (JPM)vsBank of N.T. Butterfield & Son Ltd (NTB)
JPM
JPMorgan Chase & Co
$295.42
+1.03%
FINANCIAL SERVICES · Cap: $796.76B
NTB
Bank of N.T. Butterfield & Son Ltd
$51.84
+0.56%
FINANCIAL SERVICES · Cap: $2.09B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 27625% more annual revenue ($168.24B vs $606.79M). NTB leads profitability with a 38.2% profit margin vs 33.9%. JPM appears more attractively valued with a PEG of 1.61. NTB earns a higher WallStSmart Score of 77/100 (B+).
JPM
Buy63
out of 100
Grade: C+
NTB
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-116.9%
Fair Value
$136.20
Current Price
$295.42
$159.22 premium
Margin of Safety
+77.8%
Fair Value
$240.24
Current Price
$51.84
$188.40 discount
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 41.1%
Generating 368.4B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 32.3%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Earnings expanding 23.2% YoY
Areas to Watch
Expensive relative to growth rate
2.5% revenue growth
Elevated debt levels
Earnings declined 3.6%
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 41.1%.
Bull Case : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 38.2% and operating margin at 32.3%.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : NTB
The primary concerns for NTB are PEG Ratio.
Key Dynamics to Monitor
JPM profiles as a value stock while NTB is a mature play — different risk/reward profiles.
JPM carries more volatility with a beta of 1.06 — expect wider price swings.
NTB is growing revenue faster at 6.9% — sustainability is the question.
JPM generates stronger free cash flow (368.4B), providing more financial flexibility.
Bottom Line
NTB scores higher overall (77/100 vs 63/100), backed by strong 38.2% margins. 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.
Visit Website →Bank of N.T. Butterfield & Son Ltd
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.
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