BSRR
Sierra Bancorp
BSRR has a slight edge over JPM overall, supported by stronger fundamentals and stronger valuation.
JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
BSRR Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BSRR's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BSRR.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
BSRR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $31.30 | -26% |
| Fair | 9.4x | $36.40 | -13% |
| Current | 11x | $42.06 | — |
| Forward | 11x | $42.06 | — |
| Expensive | 12x | $45.12 | +7.3% |
Historical ranges are pointers, not guarantees.
BSRR has the edge over JPM in the historical PE scenario, which offers more potential upside but is not a forecast.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM's PE is in its expensive range at 14.4x. If earnings grow as analysts expect, today's price would be 13.7x next year's earnings.
BSRR Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect BSRR's earnings to grow and its profitability to improve, with its revenue holding steady.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
JPM has the edge over BSRR on the outlook, with more favorable revenue expectations.
BSRR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.87 | -0.1% |
| Q3 2026 | $3.87 | +35% |
| Q2 2026 | $3.41 | +18% |
| Q1 2026 | $3.42 | +21% |
| Q4 2025 | $3.11 | +11% |
| Q3 2025 | $2.87 | +14% |
| Q2 2025 | $2.89 | +17% |
| Q1 2025 | $2.82 | +17% |
| Q4 2024 | $2.81 | +19% |
BSRR has the edge over JPM on earnings, with stronger typical year-over-year growth.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM's earnings per share have climbed steadily: $23.85 over the past year, up 18% from the year before, and higher year over year for 15 quarters in a row.
BSRR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $40.1M | +0.1% |
| Q2 2026 | $39M | -0.6% |
| Q1 2026 | $38.6M | +5% |
| Q4 2025 | $39.3M | +3.8% |
| Q3 2025 | $40M | +3.8% |
| Q2 2025 | $39.2M | +3.7% |
| Q1 2025 | $36.8M | -1.5% |
| Q4 2024 | $37.9M | +5.4% |
BSRR's revenue grew through 2024 and has held roughly level since: $40M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 49% | +18 points |
| Q2 2026 | 34% | -2.3 points |
| Q1 2026 | 43% | +10 points |
| Q4 2025 | 44% | +10 points |
| Q3 2025 | 32% | -5.6 points |
| Q2 2025 | 36% | -1.3 points |
| Q1 2025 | 33% | -0.6 points |
| Q4 2024 | 33% | +10 points |
BSRR has the edge over JPM on profitability, with a higher operating margin.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM has the edge over BSRR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM's operating margin was 40% last quarter, about level with the same quarter a year ago.
BSRR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $20.7M | +41% |
| Q2 2026 | $5.4M | +$41.7M |
| Q1 2026 | $11M | -73% |
| Q4 2025 | $13.5M | -38% |
| Q3 2025 | $14.7M | -46% |
| Q2 2025 | -$36.3M | -18076% |
| Q1 2025 | $40.2M | +509% |
| Q4 2024 | $21.9M | +437% |
BSRR has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
BSRR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -35.6K shares |
| 1 year | -4.1% | -547K shares |
| 3 years | -12% | -1.7M shares |
| 5 years | -16% | -2.4M shares |
| Available history | -16% | -2.5M shares |
BSRR has the edge over JPM on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $5M |
| Q1 2026 | $9.9M |
| Q4 2025 | $7.5M |
| Q3 2025 | $6M |
| Q2 2025 | $4M |
| Q1 2025 | $14.3M |
| Q4 2024 | $7.2M |
BSRR spent $22M buying back its own shares over the past year, down 29% from the year before.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has 2.7B diluted shares, down 3.1% from a year ago, with $24.5B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
BSRR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -1.6x | Net Cash |
| Q1 2026 | -1.8x | Net Cash |
| Q4 2025 | 4.7x | High |
| Q3 2025 | -0.9x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | 1.1x | Healthy |
BSRR has the edge over JPM on leverage, with a lower net debt burden relative to earnings.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JPM.
BSRR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.1 | Neutral |
| Stochastic | 60.4 | Neutral |
BSRR's weekly RSI is 62 (neutral) and its Stochastic is 60 (neutral).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
BSRR PE vs Financial Services Sector
| Metric | BSRR | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 71 | 63 | 8 pts above |
BSRR has the edge over JPM on valuation relative to its sector.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% premium to the Financial Services sector's median of 13x.
BSRR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $40.7 | 3.4% above |
| 20 week MA | $40.8 | 3.2% above |
| 50 week MA | $37.9 | 11% above |
| 100 week MA | $33.4 | 26% above |
| 200 week MA | $27.5 | 53% above |
BSRR has the edge over JPM on trend strength, trading above more of its moving averages.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
BSRR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.2 | $23.6 | -19% |
| 2021 | $23.6 | $27.3 | +16% |
| 2022 | $27.3 | $21.7 | -21% |
| 2023 | $21.7 | $22.6 | +4% |
| 2024 | $22.6 | $29.0 | +29% |
| 2025 | $29.0 | $33.1 | +14% |
| 2026 YTD | $33.1 | $42.1 | +27% |
BSRR has the edge over JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.