WallStSmart

JPMorgan Chase & Co (JPM)vsMidWestOne Financial Group Inc (MOFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 78135% more annual revenue ($173.56B vs $221.84M). JPM leads profitability with a 33.9% profit margin vs 26.4%. JPM appears more attractively valued with a PEG of 1.65. JPM earns a higher WallStSmart Score of 73/100 (B).

JPM

Strong Buy

73

out of 100

Grade: B

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

MOFG

Buy

55

out of 100

Grade: C

Growth: 2.0Profit: 7.5Value: 5.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

MOFG4 strengths · Avg: 8.8/10
Operating MarginProfitability
41.7%10/10

Strong operational efficiency at 41.7%

Profit MarginProfitability
26.4%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

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

MOFG4 concerns · Avg: 2.3/10
Market CapQuality
$1.02B3/10

Smaller company, higher risk/reward

PEG RatioValuation
2.522/10

Expensive relative to growth rate

Revenue GrowthGrowth
-14.6%2/10

Revenue declined 14.6%

EPS GrowthGrowth
-52.1%2/10

Earnings declined 52.1%

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : MOFG

The strongest argument for MOFG centers on Operating Margin, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.4% and operating margin at 41.7%.

Bear Case : JPM

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

Bear Case : MOFG

The primary concerns for MOFG are Market Cap, PEG Ratio, Revenue Growth.

Key Dynamics to Monitor

JPM profiles as a mature stock while MOFG is a declining play — different risk/reward profiles.

MOFG carries more volatility with a beta of 1.06 — expect wider price swings.

JPM is growing revenue faster at 12.7% — 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 55/100), 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.

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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MidWestOne Financial Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

MidWestOne Financial Group, Inc. is the banking holding company for MidWestOne Bank offering commercial and retail banking products and services to individuals, businesses, government units, and institutional clients. The company is headquartered in Iowa City, Iowa.

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