CIVB
Civista Bancshares, Inc.
CIVB offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
JPM
JPMorgan Chase & Co.
JPM has a slight edge over CIVB overall, supported by stronger modeled upside and stronger fundamentals.
CIVB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CIVB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIVB.
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.
CIVB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.4x | $17.69 | -38% |
| Fair | 8.8x | $24.35 | -15% |
| Forward | 9.8x | $28.72 | — |
| Expensive | 10x | $28.37 | -1.2% |
| Current | 10x | $28.72 | — |
Historical ranges are pointers, not guarantees.
CIVB's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 9.8x next year's earnings.
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 CIVB in the historical PE scenario, which offers more potential upside but is not a forecast.
CIVB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
CIVB has the edge over JPM on the outlook, with more favorable valuation expectations.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
CIVB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.93 | +5.8% |
| Q3 2026 | $2.77 | +3.7% |
| Q2 2026 | $2.68 | +6.3% |
| Q1 2026 | $2.70 | +19% |
| Q4 2025 | $2.64 | +31% |
| Q3 2025 | $2.67 | +34% |
| Q2 2025 | $2.52 | +18% |
| Q1 2025 | $2.26 | -2.6% |
| Q4 2024 | $2.01 | -26% |
CIVB earned $2.77 per share over the past year, up 3.7% from 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 CIVB on earnings, with more consistent year-over-year improvement.
CIVB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $49.1M | +11% |
| Q2 2026 | $47.6M | +15% |
| Q1 2026 | $47.3M | +16% |
| Q4 2025 | $46.3M | +15% |
| Q3 2025 | $44.2M | +14% |
| Q2 2025 | $41.4M | +8.1% |
| Q1 2025 | $40.6M | +10% |
| Q4 2024 | $40.4M | +3.8% |
CIVB has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +4.9 points |
| Q2 2026 | 36% | +4.9 points |
| Q1 2026 | 38% | +8.7 points |
| Q4 2025 | 32% | +3.6 points |
| Q3 2025 | 35% | +9.9 points |
| Q2 2025 | 31% | +10 points |
| Q1 2025 | 29% | +9.9 points |
| Q4 2024 | 28% | -0.7 points |
CIVB 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'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's operating margin was 40% last quarter, about level with the same quarter a year ago.
CIVB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $27.6M | +45% |
| Q2 2026 | $17.1M | +54% |
| Q1 2026 | $12.2M | +253% |
| Q3 2025 | $19M | +47% |
| Q2 2025 | $11.1M | -7.4% |
| Q1 2025 | $3.5M | +449% |
| Q3 2024 | $12.9M | -38% |
| Q2 2024 | $12M | -38% |
CIVB has the stronger cash trend. Its trailing FCF is up 102% versus its history, compared with JPM at down 229%.
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.
CIVB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10.5K shares |
| 1 year | +11% | +2M shares |
| 3 years | +32% | +5M shares |
| 5 years | +37% | +5.6M shares |
| Available history | +23% | +3.8M shares |
CIVB has 21M diluted shares, up 11% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.2M |
| Q2 2026 | — |
| Q1 2026 | $318,000 |
| Q4 2025 | $4,000 |
| Q3 2025 | $7,000 |
| Q2 2025 | — |
| Q1 2025 | $167,000 |
| Q4 2024 | — |
CIVB spent $3M buying back its own shares over the past year, more than ten times what it spent 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 CIVB 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.
CIVB Net Leverage
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.
CIVB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.3 | Neutral |
| Stochastic | 65.3 | Neutral |
CIVB's weekly RSI is 63 (neutral) and its Stochastic is 65 (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).
CIVB PE vs Financial Services Sector
| Metric | CIVB | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 85 | 63 | 22 pts above |
CIVB 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.
CIVB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $27.6 | 4% above |
| 20 week MA | $27.9 | 3% above |
| 50 week MA | $25.7 | 12% above |
| 100 week MA | $23.4 | 23% above |
| 200 week MA | $20.3 | 42% above |
CIVB 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.
CIVB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.9 | $16.8 | -30% |
| 2021 | $16.8 | $24.6 | +46% |
| 2022 | $24.6 | $22.1 | -10% |
| 2023 | $22.1 | $18.4 | -16% |
| 2024 | $18.4 | $21.1 | +14% |
| 2025 | $21.1 | $23.0 | +9.1% |
| 2026 YTD | $23.0 | $28.7 | +25% |
CIVB 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.