WallStSmart

Central Plains Bancshares, Inc. Common Stock (CPBI)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 834760% more annual revenue ($173.56B vs $20.79M). JPM leads profitability with a 33.9% profit margin vs 18.7%. JPM trades at a lower P/E of 14.8x. JPM earns a higher WallStSmart Score of 73/100 (B).

CPBI

Buy

56

out of 100

Grade: C

Growth: 8.7Profit: 6.5Value: 6.0Quality: 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

CPBI5 strengths · Avg: 8.4/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Operating MarginProfitability
27.4%8/10

Strong operational efficiency at 27.4%

Revenue GrowthGrowth
17.5%8/10

17.5% revenue growth

EPS GrowthGrowth
25.2%8/10

Earnings expanding 25.2% 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

CPBI2 concerns · Avg: 3.0/10
Market CapQuality
$73.09M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.6%3/10

ROE of 4.6% — 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 : CPBI

The strongest argument for CPBI centers on Price/Book, P/E Ratio, Operating Margin. Profitability is solid with margins at 18.7% and operating margin at 27.4%. Revenue growth of 17.5% 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 : CPBI

The primary concerns for CPBI are 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

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

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

CPBI is growing revenue faster at 17.5% — sustainability is the question.

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

Bottom Line

JPM scores higher overall (73/100 vs 56/100), backed by strong 33.9% margins and 12.7% revenue growth. Both earn "Strong 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.

Central Plains Bancshares, Inc. Common Stock

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Central Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. The company is headquartered in Grand Island, Nebraska.

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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