JPMorgan Chase & Co (JPM)vsSB Financial Group Inc (SBFG)
JPM
JPMorgan Chase & Co
$350.14
-1.71%
FINANCIAL SERVICES · Cap: $946.93B
SBFG
SB Financial Group Inc
$29.14
-1.02%
FINANCIAL SERVICES · Cap: $187.50M
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 275578% more annual revenue ($186.33B vs $67.59M). JPM leads profitability with a 34.9% profit margin vs 24.8%. SBFG trades at a lower P/E of 11.2x. JPM earns a higher WallStSmart Score of 81/100 (A-).
JPM
Exceptional Buy81
out of 100
Grade: A-
SBFG
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Revenue surging 30.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 31.4%
Keeps 25 of every $100 in revenue as profit
Earnings expanding 20.5% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Distress zone — elevated risk
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 34.9% and operating margin at 50.4%. Revenue growth of 30.4% demonstrates continued momentum.
Bull Case : SBFG
The strongest argument for SBFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.8% and operating margin at 31.4%.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.30 is elevated, increasing financial risk.
Bear Case : SBFG
The primary concerns for SBFG are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
JPM profiles as a growth stock while SBFG is a mature play — different risk/reward profiles.
JPM carries more volatility with a beta of 0.97 — expect wider price swings.
JPM is growing revenue faster at 30.4% — sustainability is the question.
SBFG generates stronger free cash flow (6M), providing more financial flexibility.
Bottom Line
JPM scores higher overall (81/100 vs 63/100), backed by strong 34.9% margins and 30.4% revenue growth. Both earn "Exceptional 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 →SB Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.
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