WallStSmart

JPMorgan Chase & Co (JPM)vsNorthwest Bancshares Inc (NWBI)

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Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 27415% more annual revenue ($190.73B vs $693.21M). JPM leads profitability with a 34.6% profit margin vs 28.9%. JPM appears more attractively valued with a PEG of 1.57. NWBI earns a higher WallStSmart Score of 77/100 (B+).

JPM

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

NWBI

Strong Buy

77

out of 100

Grade: B+

Growth: 8.7Profit: 7.0Value: 6.3Quality: 4.5
Piotroski: 4/9Altman Z: -0.65

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$902.16B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
34.6%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
42.6%10/10

Strong operational efficiency at 42.6%

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

NWBI6 strengths · Avg: 9.5/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.1%10/10

Strong operational efficiency at 41.1%

EPS GrowthGrowth
1600.0%10/10

Earnings expanding 1600.0% YoY

Profit MarginProfitability
28.9%9/10

Keeps 29 of every $100 in revenue as profit

Revenue GrowthGrowth
28.3%8/10

Revenue surging 28.3% year-over-year

Areas to Watch

JPM3 concerns · Avg: 2.3/10
PEG RatioValuation
1.574/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.321/10

Elevated debt levels

NWBI3 concerns · Avg: 3.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Altman Z-ScoreHealth
-0.652/10

Distress zone — elevated risk

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 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.

Bull Case : NWBI

The strongest argument for NWBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.9% and operating margin at 41.1%. Revenue growth of 28.3% demonstrates continued momentum.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.

Bear Case : NWBI

The primary concerns for NWBI are PEG Ratio, Return on Equity, Altman Z-Score.

Key Dynamics to Monitor

JPM profiles as a mature stock while NWBI is a growth play — different risk/reward profiles.

JPM carries more volatility with a beta of 1.01 — expect wider price swings.

NWBI is growing revenue faster at 28.3% — sustainability is the question.

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

Bottom Line

NWBI scores higher overall (77/100 vs 71/100), backed by strong 28.9% margins and 28.3% 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.

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Northwest Bancshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Northwest Bancshares, Inc. is a Northwest Bank holding company offering a variety of personal and business banking solutions. The company is headquartered in Warren, Pennsylvania.

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