WallStSmart

JPMorgan Chase & Co (JPM)vsFirst Financial Corporation Indiana (THFF)

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Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 71024% more annual revenue ($190.73B vs $268.17M). JPM leads profitability with a 34.6% profit margin vs 31.6%. JPM appears more attractively valued with a PEG of 1.43. JPM earns a higher WallStSmart Score of 73/100 (B).

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 6.3Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

THFF

Strong Buy

68

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 5/9Altman Z: -0.46

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$895.04B10/10

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
14.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

THFF6 strengths · Avg: 9.3/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.6%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
40.7%10/10

Strong operational efficiency at 40.7%

Revenue GrowthGrowth
15.5%8/10

15.5% revenue growth

EPS GrowthGrowth
21.9%8/10

Earnings expanding 21.9% YoY

Areas to Watch

JPM2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.321/10

Elevated debt levels

THFF3 concerns · Avg: 2.3/10
Market CapQuality
$909.25M3/10

Smaller company, higher risk/reward

PEG RatioValuation
9.512/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.462/10

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 : THFF

The strongest argument for THFF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.6% and operating margin at 40.7%. Revenue growth of 15.5% demonstrates continued momentum.

Bear Case : JPM

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

Bear Case : THFF

The primary concerns for THFF are Market Cap, PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

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

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

THFF is growing revenue faster at 15.5% — sustainability is the question.

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

Bottom Line

JPM scores higher overall (73/100 vs 68/100), backed by strong 34.6% margins and 10.2% 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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First Financial Corporation Indiana

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Financial Corporation, provides various financial services. The company is headquartered in Terre Haute, Indiana.

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