JPMorgan Chase & Co (JPM)vsWintrust Financial Corporation (WTFC)
JPM
JPMorgan Chase & Co
$302.10
-1.36%
FINANCIAL SERVICES · Cap: $820.65B
WTFC
Wintrust Financial Corporation
$151.64
+0.30%
FINANCIAL SERVICES · Cap: $10.20B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 6347% more annual revenue ($173.56B vs $2.69B). JPM leads profitability with a 33.9% profit margin vs 32.0%. WTFC appears more attractively valued with a PEG of 1.17. WTFC earns a higher WallStSmart Score of 77/100 (B+).
JPM
Strong Buy73
out of 100
Grade: B
WTFC
Strong Buy77
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 43.7%
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 46.3%
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Weak financial health signals
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 33.9% and operating margin at 43.7%. Revenue growth of 12.7% demonstrates continued momentum.
Bull Case : WTFC
The strongest argument for WTFC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.0% and operating margin at 46.3%. Revenue growth of 10.3% demonstrates continued momentum.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Free Cash Flow.
Bear Case : WTFC
The primary concerns for WTFC are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
JPM carries more volatility with a beta of 1.02 — expect wider price swings.
JPM is growing revenue faster at 12.7% — sustainability is the question.
WTFC generates stronger free cash flow (927M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WTFC scores higher overall (77/100 vs 73/100), backed by strong 32.0% margins and 10.3% 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 →Wintrust Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Wintrust Financial Corporation is a financial holding company. The company is headquartered in Rosemont, Illinois.
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