Arrow Financial Corporation (AROW)vsJPMorgan Chase & Co (JPM)
AROW
Arrow Financial Corporation
$38.93
-0.56%
FINANCIAL SERVICES · Cap: $725.20M
JPM
JPMorgan Chase & Co
$350.14
-1.71%
FINANCIAL SERVICES · Cap: $946.93B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 109397% more annual revenue ($186.33B vs $170.17M). JPM leads profitability with a 34.9% profit margin vs 30.1%. JPM appears more attractively valued with a PEG of 1.64. JPM earns a higher WallStSmart Score of 81/100 (A-).
AROW
Buy58
out of 100
Grade: C
JPM
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 34.7%
Attractively priced relative to earnings
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Revenue surging 30.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
4.6% revenue growth
1.5% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AROW
The strongest argument for AROW centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.1% and operating margin at 34.7%.
Bull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.9% and operating margin at 50.4%. Revenue growth of 30.4% demonstrates continued momentum.
Bear Case : AROW
The primary concerns for AROW are Revenue Growth, EPS Growth, Market Cap.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.30 is elevated, increasing financial risk.
Key Dynamics to Monitor
AROW profiles as a value stock while JPM is a growth play — different risk/reward profiles.
JPM carries more volatility with a beta of 0.97 — expect wider price swings.
JPM is growing revenue faster at 30.4% — sustainability is the question.
AROW generates stronger free cash flow (12M), providing more financial flexibility.
Bottom Line
JPM scores higher overall (81/100 vs 58/100), backed by strong 34.9% margins and 30.4% revenue growth. Both earn "Exceptional 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.
Arrow Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Arrow Financial Corporation, a banking holding company, offers consumer and commercial banking and financial products and services. The company is headquartered in Glens Falls, New York.
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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