FBP
First BanCorp.
FBP has a slight edge over JPM overall, supported by stronger valuation.
JPM
JPMorgan Chase & Co.
JPM has slightly lower modeled downside risk, despite its lower overall score.
FBP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FBP'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 FBP.
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.
FBP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.1x | $21.53 | -17% |
| Fair | 10x | $24.46 | -6.3% |
| Current | 11x | $26.09 | — |
| Forward | 11x | $26.09 | — |
| Expensive | 12x | $27.42 | +5.1% |
Historical ranges are pointers, not guarantees.
FBP 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.
FBP Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect FBP'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 FBP on the outlook, with more favorable revenue expectations.
FBP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.43 | +2.4% |
| Q3 2026 | $2.37 | +15% |
| Q2 2026 | $2.37 | +26% |
| Q1 2026 | $2.25 | +22% |
| Q4 2025 | $2.15 | +19% |
| Q3 2025 | $2.06 | +13% |
| Q2 2025 | $1.88 | +2.7% |
| Q1 2025 | $1.84 | +4.5% |
| Q4 2024 | $1.81 | +5.8% |
FBP's earnings per share have climbed steadily: $2.37 over the past year, up 15% from the year before, and higher year over year every quarter since late 2023.
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 FBP on earnings, with stronger typical year-over-year growth.
FBP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $260.1M | +4.6% |
| Q2 2026 | $264.9M | +7.3% |
| Q1 2026 | $258.6M | +4.2% |
| Q4 2025 | $257.2M | +6.5% |
| Q3 2025 | $248.7M | +6% |
| Q2 2025 | $246.8M | +6.5% |
| Q1 2025 | $248.1M | +7.6% |
| Q4 2024 | $241.5M | +4.9% |
FBP's revenue has grown year over year for nine quarters in a row: $260M last quarter, up 4.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +1.6 points |
| Q2 2026 | 45% | +3.7 points |
| Q1 2026 | 44% | +3.8 points |
| Q4 2025 | 42% | +2 points |
| Q3 2025 | 43% | +1.6 points |
| Q2 2025 | 42% | -2.1 points |
| Q1 2025 | 40% | -1.8 points |
| Q4 2024 | 40% | +2.9 points |
FBP 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.
FBP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $101.2M | -25% |
| Q2 2026 | $87.2M | -6.1% |
| Q1 2026 | $115.9M | +8.6% |
| Q4 2025 | $103.2M | +8.4% |
| Q3 2025 | $134.8M | +17% |
| Q2 2025 | $92.8M | +34% |
| Q1 2025 | $106.7M | -6.5% |
| Q4 2024 | $95.2M | +24% |
FBP 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.
FBP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.4% | -2.2M shares |
| 1 year | -5.1% | -8.1M shares |
| 3 years | -14% | -25M shares |
FBP has the edge over JPM on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $50M |
| Q2 2026 | $50.3M |
| Q1 2026 | $54.6M |
| Q4 2025 | $50M |
| Q3 2025 | $50.1M |
| Q2 2025 | $28.7M |
| Q1 2025 | $24.9M |
| Q4 2024 | $24,000 |
FBP spent $205M buying back its own shares over the past year, up 98% 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.
FBP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -0.6x | Net Cash |
| Q4 2025 | -0.8x | Net Cash |
| Q3 2025 | -1.4x | Net Cash |
| Q2 2025 | -1.0x | Net Cash |
| Q1 2025 | -2.4x | Net Cash |
| Q4 2024 | -1.4x | Net Cash |
FBP 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.
FBP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.2 | Neutral |
| Stochastic | 6.7 | Oversold |
FBP's weekly RSI is 48 (neutral) and its Stochastic is 7 (oversold).
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).
FBP PE vs Financial Services Sector
| Metric | FBP | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 15% below |
| PE % | 67 | 63 | 4 pts above |
FBP 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.
FBP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.7 | 2.4% below |
| 20 week MA | $27.5 | 5.3% below |
| 50 week MA | $24.5 | 6.4% above |
| 100 week MA | $22.4 | 17% above |
| 200 week MA | $19.2 | 36% above |
FBP has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 36% above its 200-week average.
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 has the edge over FBP on trend strength, trading above more of its moving averages.
FBP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.6 | $9.13 | -14% |
| 2021 | $9.13 | $13.6 | +49% |
| 2022 | $13.6 | $12.8 | -5.7% |
| 2023 | $12.8 | $16.5 | +28% |
| 2024 | $16.5 | $18.7 | +14% |
| 2025 | $18.7 | $21.2 | +13% |
| 2026 YTD | $21.2 | $26.1 | +23% |
FBP 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.