CBFV
CB Financial Services, Inc.
CBFV has the edge over JPM overall, supported by stronger fundamentals and stronger modeled upside.
JPM
JPMorgan Chase & Co.
JPM offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
CBFV Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
CBFV's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBFV.
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.
CBFV PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.1x | $24.21 | -41% |
| Fair | 9.8x | $33.63 | -18% |
| Current | 12x | $41.10 | — |
| Forward | 12x | $41.10 | — |
| Expensive | 20x | $67.40 | +64% |
Historical ranges are pointers, not guarantees.
CBFV's PE is in its fair range at 12.0x. On analysts' estimates for next year's earnings, today's price would be 12.2x.
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 has the edge over CBFV in the historical PE scenario, which offers more potential upside but is not a forecast.
CBFV Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CBFV, with profitability improving.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
CBFV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.36 | -1.7% |
| Q3 2026 | $3.42 | +628% |
| Q2 2026 | $1.36 | -36% |
| Q1 2026 | $1.30 | -32% |
| Q4 2025 | $0.92 | -61% |
| Q3 2025 | $0.47 | -89% |
| Q2 2025 | $2.14 | -51% |
| Q1 2025 | $1.91 | -57% |
| Q4 2024 | $2.38 | -46% |
CBFV earned $3.42 per share over the past year, about seven times what it earned the year before.
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 has the edge over CBFV on earnings, with more consistent year-over-year improvement.
CBFV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16M | +561% |
| Q2 2026 | $15.5M | +15% |
| Q1 2026 | $14.8M | +23% |
| Q4 2025 | $15.6M | +18% |
| Q3 2025 | $2.4M | -81% |
| Q2 2025 | $13.5M | +11% |
| Q1 2025 | $12.1M | -10% |
| Q4 2024 | $13.2M | -52% |
CBFV's revenue is recovering but still below its 2023 peak: $16M last quarter, up 561% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +326 points |
| Q2 2026 | 33% | -2.1 points |
| Q1 2026 | 31% | +12 points |
| Q4 2025 | 34% | +11 points |
| Q3 2025 | -290% | -321 points |
| Q2 2025 | 35% | +8.6 points |
| Q1 2025 | 19% | -19 points |
| Q4 2024 | 23% | -43 points |
CBFV's operating margin was 36% last quarter, up 326 points from the same quarter a year ago.
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's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| 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 has the edge over CBFV on profitability, with a higher operating margin.
CBFV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$2.8M | -161% |
| Q2 2026 | $7.4M | +90% |
| Q1 2026 | $2.8M | -28% |
| Q4 2025 | $4.8M | +267% |
| Q3 2025 | $4.5M | +104% |
| Q2 2025 | $3.9M | +$6.3M |
| Q1 2025 | $3.9M | +71% |
| Q4 2024 | $1.3M | +$6.4M |
CBFV 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.
CBFV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +4.1K shares |
| 1 year | +0.7% | +38.5K shares |
| 3 years | +4.5% | +232K shares |
| 5 years | -0.6% | -32.1K shares |
| Available history | -1.7% | -90.7K shares |
CBFV has 5M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $9,000 |
| Q2 2026 | $14,000 |
| Q1 2026 | $292,000 |
| Q4 2025 | $14,000 |
| Q3 2025 | $7,000 |
| Q2 2025 | $4.4M |
| Q1 2025 | $2.4M |
| Q4 2024 | $634,000 |
CBFV spent $329,000 buying back its own shares over the past year, down 96% 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 the edge over CBFV on shareholder dilution, with a more favorable share count trend.
| 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.
CBFV Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.6x | Elevated |
| Q2 2026 | 2.4x | Moderate |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | 5.4x | High |
| Q3 2025 | -4.3x | Net Cash |
| Q2 2025 | -1.9x | Net Cash |
| Q1 2025 | -1.8x | Net Cash |
| Q4 2024 | 1.1x | Healthy |
CBFV's net debt is about 3.6 years of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like CBFV.
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 has the edge over CBFV on leverage, with a lower net debt burden relative to earnings.
CBFV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 71.0 | Overbought |
| Stochastic | 89.3 | Overbought |
CBFV's weekly RSI is 71 (overbought) and its Stochastic is 89 (overbought).
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).
CBFV PE vs Financial Services Sector
| Metric | CBFV | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.7% below |
| PE % | 63 | 63 | Same percentile |
CBFV 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.
CBFV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $38.6 | 6.5% above |
| 20 week MA | $37.7 | 8.9% above |
| 50 week MA | $36.4 | 13% above |
| 100 week MA | $33.3 | 23% above |
| 200 week MA | $28.3 | 45% above |
CBFV 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.
CBFV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.6 | $20.3 | -34% |
| 2021 | $20.3 | $23.9 | +18% |
| 2022 | $23.9 | $21.3 | -11% |
| 2023 | $21.3 | $23.8 | +12% |
| 2024 | $23.8 | $28.7 | +20% |
| 2025 | $28.7 | $36.0 | +25% |
| 2026 YTD | $36.0 | $41.1 | +14% |
CBFV 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.