WallStSmart

Huntington Bancshares Incorporated (HBAN)vsJPMorgan Chase & Co (JPM)

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Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 1841% more annual revenue ($190.73B vs $9.83B). JPM leads profitability with a 34.6% profit margin vs 25.3%. JPM appears more attractively valued with a PEG of 1.43. JPM earns a higher WallStSmart Score of 73/100 (B).

HBAN

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 7.0Value: 5.7Quality: 6.0
Piotroski: 4/9Altman Z: -0.43

JPM

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 6.3Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HBAN6 strengths · Avg: 9.2/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.8%10/10

Strong operational efficiency at 39.8%

Revenue GrowthGrowth
32.4%10/10

Revenue surging 32.4% year-over-year

Profit MarginProfitability
25.3%9/10

Keeps 25 of every $100 in revenue as profit

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.00B8/10

Generating 1.0B in free cash flow

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$895.04B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
34.6%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
42.6%10/10

Strong operational efficiency at 42.6%

Free Cash FlowQuality
$33.16B10/10

Generating 33.2B in free cash flow

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

HBAN4 concerns · Avg: 2.8/10
PEG RatioValuation
1.884/10

Expensive relative to growth rate

Return on EquityProfitability
7.7%3/10

ROE of 7.7% — below average capital efficiency

EPS GrowthGrowth
-19.5%2/10

Earnings declined 19.5%

Altman Z-ScoreHealth
-0.432/10

Distress zone — elevated risk

JPM2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.321/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : HBAN

The strongest argument for HBAN centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.3% and operating margin at 39.8%. Revenue growth of 32.4% 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 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.

Bear Case : HBAN

The primary concerns for HBAN are PEG Ratio, Return on Equity, EPS Growth.

Bear Case : JPM

The primary concerns for JPM are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

JPM carries more volatility with a beta of 1.01 — expect wider price swings.

HBAN is growing revenue faster at 32.4% — sustainability is the question.

JPM generates stronger free cash flow (33.2B), providing more financial flexibility.

Bottom Line

JPM scores higher overall (73/100 vs 71/100), backed by strong 34.6% margins and 10.2% 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.

Huntington Bancshares Incorporated

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Huntington Bancshares Incorporated is a bank holding company headquartered in Columbus, Ohio.

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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