JPMorgan Chase & Co (JPM)vsLive Oak Bancshares, Inc. (LOB)
JPM
JPMorgan Chase & Co
$313.23
-0.24%
FINANCIAL SERVICES · Cap: $828.64B
LOB
Live Oak Bancshares, Inc.
$37.07
-1.41%
FINANCIAL SERVICES · Cap: $1.75B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 33784% more annual revenue ($173.56B vs $512.21M). JPM leads profitability with a 33.9% profit margin vs 24.6%. LOB trades at a lower P/E of 14.4x. JPM earns a higher WallStSmart Score of 73/100 (B).
JPM
Strong Buy73
out of 100
Grade: B
LOB
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Generating 368.4B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 35.5%
Earnings expanding 185.7% YoY
Conservative balance sheet, low leverage
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : LOB
The strongest argument for LOB centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 35.5%. Revenue growth of 29.1% demonstrates continued momentum.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : LOB
The primary concerns for LOB are Market Cap.
Key Dynamics to Monitor
JPM profiles as a mature stock while LOB is a growth play — different risk/reward profiles.
LOB carries more volatility with a beta of 1.90 — expect wider price swings.
LOB is growing revenue faster at 29.1% — 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 72/100), backed by strong 33.9% margins and 12.7% 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.
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.
Visit Website →Live Oak Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Live Oak Bancshares, Inc. is the banking holding company for Live Oak Banking Company offering a variety of commercial banking products and services to individuals, small businesses and professionals in North Carolina, United States. The company is headquartered in Wilmington, North Carolina.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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