WallStSmart

ConnectOne Bancorp Inc (CNOB)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 45766% more annual revenue ($173.56B vs $378.40M). JPM leads profitability with a 33.9% profit margin vs 25.9%. JPM appears more attractively valued with a PEG of 1.65. CNOB earns a higher WallStSmart Score of 78/100 (B+).

CNOB

Strong Buy

78

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 5.7Quality: 5.0

JPM

Strong Buy

73

out of 100

Grade: B

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

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNOB6 strengths · Avg: 9.2/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
53.9%10/10

Strong operational efficiency at 53.9%

Revenue GrowthGrowth
65.5%10/10

Revenue surging 65.5% year-over-year

Profit MarginProfitability
25.9%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
47.5%8/10

Earnings expanding 47.5% YoY

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

Areas to Watch

CNOB3 concerns · Avg: 3.3/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

Market CapQuality
$1.46B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.9%3/10

ROE of 6.9% — below average capital efficiency

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

Comparative Analysis Report

WallStSmart Research

Bull Case : CNOB

The strongest argument for CNOB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.9% and operating margin at 53.9%. Revenue growth of 65.5% demonstrates continued momentum.

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.

Bear Case : CNOB

The primary concerns for CNOB are PEG Ratio, Market Cap, Return on Equity.

Bear Case : JPM

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

Key Dynamics to Monitor

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

CNOB carries more volatility with a beta of 1.08 — expect wider price swings.

CNOB is growing revenue faster at 65.5% — sustainability is the question.

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

Bottom Line

CNOB scores higher overall (78/100 vs 73/100), backed by strong 25.9% margins and 65.5% 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.

ConnectOne Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ConnectOne Bancorp, Inc. is the banking holding company for ConnectOne Bank, a licensed commercial bank offering a variety of commercial banking products and services. The company is headquartered in Englewood Cliffs, New Jersey.

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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