CPF
Central Pacific Financial Corp.
CPF has the edge over JPM overall, supported by stronger valuation and stronger fundamentals.
JPM
JPMorgan Chase & Co.
JPM has slightly lower modeled downside risk, despite its lower overall score.
CPF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CPF'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 CPF.
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.
CPF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $25.30 | -35% |
| Fair | 11x | $37.54 | -3.3% |
| Forward | 11x | $38.81 | — |
| Current | 12x | $38.81 | — |
| Expensive | 14x | $45.56 | +17% |
Historical ranges are pointers, not guarantees.
CPF's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 11x 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 CPF in the historical PE scenario, which offers more potential upside but is not a forecast.
CPF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect CPF'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 |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
CPF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.57 | +7.8% |
| Q3 2026 | $3.31 | +36% |
| Q2 2026 | $3.12 | +40% |
| Q1 2026 | $2.99 | +40% |
| Q4 2025 | $2.86 | +45% |
| Q3 2025 | $2.43 | +16% |
| Q2 2025 | $2.23 | +6.2% |
| Q1 2025 | $2.14 | +4.4% |
| Q4 2024 | $1.97 | -9.2% |
CPF earned $3.31 per share over the past year, up 36% 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'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.
CPF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $76.8M | +2.7% |
| Q2 2026 | $77.5M | +6.4% |
| Q1 2026 | $72.9M | +6% |
| Q4 2025 | $76.3M | +31% |
| Q3 2025 | $74.8M | +12% |
| Q2 2025 | $72.8M | +14% |
| Q1 2025 | $68.8M | +12% |
| Q4 2024 | $58.4M | -12% |
CPF has the edge over JPM on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +7.7 points |
| Q2 2026 | 35% | +1.9 points |
| Q1 2026 | 37% | +4.1 points |
| Q4 2025 | 37% | +14 points |
| Q3 2025 | 32% | +6 points |
| Q2 2025 | 33% | +0.5 points |
| Q1 2025 | 33% | +5.2 points |
| Q4 2024 | 23% | -5.9 points |
CPF's operating margin was 39% last quarter, up 7.7 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 CPF on profitability, with a higher operating margin.
CPF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $28.1M | +31% |
| Q2 2026 | $41M | +27% |
| Q1 2026 | $17.3M | -12% |
| Q4 2025 | $19.1M | -23% |
| Q3 2025 | $21.4M | +37% |
| Q2 2025 | $32.3M | +52% |
| Q1 2025 | $19.6M | +42% |
| Q4 2024 | $24.8M | +24% |
CPF 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.
CPF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -292K shares |
| 1 year | -4.7% | -1.3M shares |
| 3 years | -4.7% | -1.3M shares |
| 5 years | -8.4% | -2.4M shares |
| Available history | -10% | -2.9M shares |
CPF has the edge over JPM on shareholder dilution, with a more favorable share count trend.
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.
CPF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.2x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | 0.3x | Very low |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | 0.3x | Very low |
| Q4 2024 | 1.1x | Healthy |
CPF 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.
CPF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.8 | Neutral |
| Stochastic | 61.2 | Neutral |
CPF's weekly RSI is 62 (neutral) and its Stochastic is 61 (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).
CPF PE vs Financial Services Sector
| Metric | CPF | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.9% below |
| PE % | 53 | 63 | 10 pts below |
CPF 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.
CPF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $37.3 | 4.1% above |
| 20 week MA | $37.9 | 2.3% above |
| 50 week MA | $35.1 | 11% above |
| 100 week MA | $31.6 | 23% above |
| 200 week MA | $26.2 | 48% above |
CPF 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.
CPF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.7 | $19.0 | -36% |
| 2021 | $19.0 | $27.7 | +46% |
| 2022 | $27.7 | $19.8 | -29% |
| 2023 | $19.8 | $19.7 | -0.4% |
| 2024 | $19.7 | $28.8 | +46% |
| 2025 | $28.8 | $32.2 | +12% |
| 2026 YTD | $32.2 | $38.8 | +20% |
CPF 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.