JPMorgan Chase & Co (JPM)vsSB Financial Group Inc (SBFG)
JPM
JPMorgan Chase & Co
$312.37
+2.31%
FINANCIAL SERVICES · Cap: $806.43B
SBFG
SB Financial Group Inc
$22.10
+5.11%
FINANCIAL SERVICES · Cap: $143.64M
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 261631% more annual revenue ($173.56B vs $66.31M). JPM leads profitability with a 33.9% profit margin vs 24.3%. SBFG trades at a lower P/E of 9.0x. JPM earns a higher WallStSmart Score of 73/100 (B).
JPM
Strong Buy73
out of 100
Grade: B
SBFG
Buy65
out of 100
Grade: C+
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
Reasonable price relative to book value
Earnings expanding 108.5% YoY
Keeps 24 of every $100 in revenue as profit
Strong operational efficiency at 28.8%
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : SBFG
The strongest argument for SBFG centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.3% and operating margin at 28.8%. Revenue growth of 11.8% demonstrates continued momentum.
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 : SBFG
The primary concerns for SBFG are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
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.
SBFG generates stronger free cash flow (-3M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JPM scores higher overall (73/100 vs 65/100), backed by strong 33.9% margins and 12.7% revenue growth. 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 →SB Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?