JPMorgan Chase & Co (JPM)vsTompkins Financial Corporation (TMP)
JPM
JPMorgan Chase & Co
$337.09
-1.90%
FINANCIAL SERVICES · Cap: $902.16B
TMP
Tompkins Financial Corporation
$101.64
+0.53%
FINANCIAL SERVICES · Cap: $1.47B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 42427% more annual revenue ($190.73B vs $448.50M). TMP leads profitability with a 40.2% profit margin vs 34.6%. JPM appears more attractively valued with a PEG of 1.57. TMP earns a higher WallStSmart Score of 74/100 (B).
JPM
Strong Buy71
out of 100
Grade: B
TMP
Strong Buy74
out of 100
Grade: B
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 42.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 43.5%
Reasonable price relative to book value
Earnings expanding 21.2% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
2.2% revenue growth
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 34.6% and operating margin at 42.6%. Revenue growth of 10.2% demonstrates continued momentum.
Bull Case : TMP
The strongest argument for TMP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 40.2% and operating margin at 43.5%.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.32 is elevated, increasing financial risk.
Bear Case : TMP
The primary concerns for TMP are PEG Ratio, Revenue Growth, Market Cap.
Key Dynamics to Monitor
JPM profiles as a mature stock while TMP is a value play — different risk/reward profiles.
JPM carries more volatility with a beta of 1.01 — expect wider price swings.
JPM is growing revenue faster at 10.2% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TMP scores higher overall (74/100 vs 71/100), backed by strong 40.2% margins. 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 →Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
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