JPMorgan Chase & Co (JPM)vsUnited Community Banks, Inc. (UCB)
JPM
JPMorgan Chase & Co
$302.10
-1.36%
FINANCIAL SERVICES · Cap: $820.65B
UCB
United Community Banks, Inc.
$33.36
-0.60%
FINANCIAL SERVICES · Cap: $4.06B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 16465% more annual revenue ($173.56B vs $1.05B). JPM leads profitability with a 33.9% profit margin vs 32.5%. UCB appears more attractively valued with a PEG of 1.67. JPM earns a higher WallStSmart Score of 73/100 (B).
JPM
Strong Buy73
out of 100
Grade: B
UCB
Strong Buy71
out of 100
Grade: B
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
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 43.1%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
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 : UCB
The strongest argument for UCB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.5% and operating margin at 43.1%. Revenue growth of 14.4% demonstrates continued momentum.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Free Cash Flow.
Bear Case : UCB
The primary concerns for UCB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
JPM carries more volatility with a beta of 1.02 — expect wider price swings.
UCB is growing revenue faster at 14.4% — sustainability is the question.
UCB generates stronger free cash flow (69M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JPM scores higher overall (73/100 vs 71/100), backed by strong 33.9% margins and 12.7% 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.
Visit Website →United Community Banks, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Community Banks, Inc. (UCB) is a leading regional banking institution headquartered in Blairsville, Georgia, providing comprehensive financial services to individuals and businesses across the Southeastern United States. The bank specializes in commercial and retail banking, mortgage services, and wealth management, with a strong emphasis on community engagement and strategic growth through acquisitions. UCB is recognized for its solid financial performance, effective risk management, and commitment to exceptional customer service, positioning it as a trusted partner in the competitive financial landscape.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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