WallStSmart

JPMorgan Chase & Co (JPM)vsSouthState Corporation (SSB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 6385% more annual revenue ($173.56B vs $2.68B). SSB leads profitability with a 34.9% profit margin vs 33.9%. SSB appears more attractively valued with a PEG of 1.45. SSB earns a higher WallStSmart Score of 81/100 (A-).

JPM

Strong Buy

73

out of 100

Grade: B

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

SSB

Exceptional Buy

81

out of 100

Grade: A-

Growth: 9.3Profit: 7.5Value: 7.0Quality: 3.8
Piotroski: 4/9Altman Z: -0.19

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

SSB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
34.9%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
50.3%10/10

Strong operational efficiency at 50.3%

EPS GrowthGrowth
162.1%10/10

Earnings expanding 162.1% YoY

Revenue GrowthGrowth
22.8%8/10

Revenue surging 22.8% year-over-year

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

SSB1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.192/10

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

Bull Case : SSB

The strongest argument for SSB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.9% and operating margin at 50.3%. Revenue growth of 22.8% demonstrates continued momentum.

Bear Case : JPM

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

Bear Case : SSB

The primary concerns for SSB are Altman Z-Score.

Key Dynamics to Monitor

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

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

SSB is growing revenue faster at 22.8% — sustainability is the question.

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

Bottom Line

SSB scores higher overall (81/100 vs 73/100), backed by strong 34.9% margins and 22.8% revenue growth. Both earn "Exceptional 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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SouthState Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

South State Corporation is the banking holding company for South State Bank offering a range of banking products and services. The company is headquartered in Winter Haven, Florida.

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