WallStSmart

First Horizon Corporation (FHN)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 4962% more annual revenue ($173.56B vs $3.43B). JPM leads profitability with a 33.9% profit margin vs 29.9%. JPM appears more attractively valued with a PEG of 1.57. FHN earns a higher WallStSmart Score of 75/100 (B).

FHN

Strong Buy

75

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.23

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FHN5 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
42.9%10/10

Strong operational efficiency at 42.9%

Profit MarginProfitability
29.9%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
29.3%8/10

Earnings expanding 29.3% YoY

JPM5 strengths · Avg: 9.2/10
Market CapQuality
$806.43B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

P/E RatioValuation
14.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

FHN3 concerns · Avg: 3.0/10
PEG RatioValuation
1.764/10

Expensive relative to growth rate

Debt/EquityHealth
1.453/10

Elevated debt levels

Altman Z-ScoreHealth
0.232/10

Distress zone — elevated risk

JPM4 concerns · Avg: 2.3/10
PEG RatioValuation
1.574/10

Expensive relative to growth rate

Free Cash FlowQuality
$-211.76B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.391/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : FHN

The strongest argument for FHN centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 42.9%.

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 43.7%. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : FHN

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

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.39 is elevated, increasing financial risk.

Key Dynamics to Monitor

JPM carries more volatility with a beta of 1.02 — expect wider price swings.

JPM is growing revenue faster at 12.7% — sustainability is the question.

FHN generates stronger free cash flow (270M), providing more financial flexibility.

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

Bottom Line

FHN scores higher overall (75/100 vs 73/100), backed by strong 29.9% margins. 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.

First Horizon Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Horizon Corporation is the banking holding company for First Horizon Bank providing various financial services. The company is headquartered in Memphis, Tennessee.

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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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