JPMorgan Chase & Co (JPM)vsNicolet Bankshares Inc. (NIC)
JPM
JPMorgan Chase & Co
$313.23
+1.29%
FINANCIAL SERVICES · Cap: $828.64B
NIC
Nicolet Bankshares Inc.
$144.33
-2.86%
FINANCIAL SERVICES · Cap: $3.08B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 40388% more annual revenue ($173.56B vs $428.66M). JPM leads profitability with a 33.9% profit margin vs 31.1%. JPM appears more attractively valued with a PEG of 1.65. JPM earns a higher WallStSmart Score of 73/100 (B).
JPM
Strong Buy73
out of 100
Grade: B
NIC
Buy64
out of 100
Grade: C+
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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 50.5%
Revenue surging 46.5% year-over-year
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
ROE of 7.8% — below average capital efficiency
Earnings declined 61.1%
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 : NIC
The strongest argument for NIC centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 31.1% and operating margin at 50.5%. Revenue growth of 46.5% demonstrates continued momentum.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : NIC
The primary concerns for NIC are PEG Ratio, Return on Equity, EPS Growth.
Key Dynamics to Monitor
JPM profiles as a mature stock while NIC is a growth play — different risk/reward profiles.
JPM carries more volatility with a beta of 1.04 — expect wider price swings.
NIC is growing revenue faster at 46.5% — 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 64/100), 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.
Visit Website →Nicolet Bankshares Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nicolet Bankshares, Inc. is the bank holding company of Nicolet National Bank that offers banking products and services for businesses and individuals. The company is headquartered in Green Bay, Wisconsin.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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