JPMorgan Chase & Co (JPM)vsBank of N.T. Butterfield & Son Ltd (NTB)
JPM
JPMorgan Chase & Co
$312.37
+2.31%
FINANCIAL SERVICES · Cap: $806.43B
NTB
Bank of N.T. Butterfield & Son Ltd
$57.91
+0.59%
FINANCIAL SERVICES · Cap: $2.21B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 28208% more annual revenue ($173.56B vs $613.12M). NTB leads profitability with a 39.3% profit margin vs 33.9%. JPM appears more attractively valued with a PEG of 1.57. NTB earns a higher WallStSmart Score of 75/100 (B+).
JPM
Strong Buy73
out of 100
Grade: B
NTB
Strong Buy75
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
Attractively priced relative to earnings
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 42.7%
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
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
4.3% revenue growth
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 33.9% and operating margin at 43.7%. Revenue growth of 12.7% demonstrates continued momentum.
Bull Case : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 39.3% and operating margin at 42.7%.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.39 is elevated, increasing financial risk.
Bear Case : NTB
The primary concerns for NTB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
JPM profiles as a mature stock while NTB is a value play — different risk/reward profiles.
JPM carries more volatility with a beta of 1.02 — expect wider price swings.
JPM is growing revenue faster at 12.7% — sustainability is the question.
NTB generates stronger free cash flow (50M), providing more financial flexibility.
Bottom Line
NTB scores higher overall (75/100 vs 73/100), backed by strong 39.3% margins. 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 →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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