WallStSmart

JPMorgan Chase & Co (JPM)vsPlumas Bancorp (PLBC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 176265% more annual revenue ($173.56B vs $98.41M). JPM leads profitability with a 33.9% profit margin vs 32.7%. PLBC appears more attractively valued with a PEG of 1.49. PLBC earns a higher WallStSmart Score of 75/100 (B).

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 0.55

PLBC

Strong Buy

75

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 7.0Quality: 5.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$828.64B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
43.0%10/10

Strong operational efficiency at 43.0%

Free Cash FlowQuality
$368.37B10/10

Generating 368.4B in free cash flow

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

PLBC6 strengths · Avg: 10.0/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.7%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
51.8%10/10

Strong operational efficiency at 51.8%

Revenue GrowthGrowth
32.4%10/10

Revenue surging 32.4% year-over-year

Debt/EquityHealth
0.0810/10

Conservative balance sheet, low leverage

Areas to Watch

JPM3 concerns · Avg: 3.0/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Debt/EquityHealth
1.383/10

Elevated debt levels

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

PLBC2 concerns · Avg: 3.0/10
Market CapQuality
$362.98M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 33.9% and operating margin at 43.0%. Revenue growth of 12.7% demonstrates continued momentum.

Bull Case : PLBC

The strongest argument for PLBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.7% and operating margin at 51.8%. Revenue growth of 32.4% demonstrates continued momentum.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.

Bear Case : PLBC

The primary concerns for PLBC are Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

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

JPM carries more volatility with a beta of 1.04 — expect wider price swings.

PLBC is growing revenue faster at 32.4% — sustainability is the question.

JPM generates stronger free cash flow (368.4B), providing more financial flexibility.

Bottom Line

PLBC scores higher overall (75/100 vs 73/100), backed by strong 32.7% margins and 32.4% 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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Plumas Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Plumas Bancorp is the banking holding company for Plumas Bank offering various banking products and services to small and medium-sized businesses and individuals in Northeast California and Northwest Nevada. The company is headquartered in Reno, Nevada.

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