FNB
F.N.B. Corporation
FNB 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.
FNB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FNB'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 FNB.
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.
FNB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $13.76 | -24% |
| Forward | 9.7x | $18.10 | — |
| Fair | 11x | $18.38 | +1.6% |
| Current | 11x | $18.10 | — |
| Expensive | 12x | $21.08 | +16% |
Historical ranges are pointers, not guarantees.
FNB 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.
FNB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
FNB 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.
FNB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.86 | +9.3% |
| Q3 2026 | $1.70 | +21% |
| Q2 2026 | $1.68 | +30% |
| Q1 2026 | $1.62 | +28% |
| Q4 2025 | $1.56 | +23% |
| Q3 2025 | $1.40 | +30% |
| Q2 2025 | $1.29 | +9.3% |
| Q1 2025 | $1.27 | +3.3% |
| Q4 2024 | $1.27 | -3.1% |
FNB earned $1.70 per share over the past year, up 21% 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.
FNB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $469M | +2.6% |
| Q2 2026 | $463M | +5.5% |
| Q1 2026 | $450M | +9.5% |
| Q4 2025 | $458M | +23% |
| Q3 2025 | $457M | +11% |
| Q2 2025 | $439M | +8.7% |
| Q1 2025 | $411M | +1% |
| Q4 2024 | $373M | +10% |
FNB has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | -0.4 points |
| Q2 2026 | 41% | +2.8 points |
| Q1 2026 | 39% | +2.7 points |
| Q4 2025 | 36% | +8.7 points |
| Q3 2025 | 42% | +7.6 points |
| Q2 2025 | 38% | -1 points |
| Q1 2025 | 36% | -2.3 points |
| Q4 2024 | 27% | +9.9 points |
FNB 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.
FNB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $250M | +68% |
| Q2 2026 | $241M | +184% |
| Q1 2026 | $133M | +209% |
| Q4 2025 | $99M | -64% |
| Q3 2025 | $149M | +$195M |
| Q2 2025 | $85M | +55% |
| Q1 2025 | $43M | -80% |
| Q4 2024 | $278M | +$315M |
FNB 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.
FNB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -2.4M shares |
| 1 year | -1.9% | -6.7M shares |
| 3 years | -1.9% | -6.8M shares |
| 5 years | +9.9% | +32.1M shares |
| Available history | +8.9% | +28.9M shares |
FNB has 355M diluted shares, down 1.9% from a year ago, with $152M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $52M |
| Q2 2026 | $47M |
| Q1 2026 | $35M |
| Q4 2025 | $18M |
| Q3 2025 | $12M |
| Q2 2025 | $10M |
| Q1 2025 | $10M |
| Q4 2024 | — |
FNB spent $152M buying back its own shares over the past year, about five 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 FNB 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.
FNB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.8x | Moderate |
| Q2 2026 | 2.9x | Moderate |
| Q1 2026 | 1.9x | Healthy |
| Q4 2025 | 1.9x | Healthy |
| Q3 2025 | 2.3x | Moderate |
| Q2 2025 | 3.4x | Elevated |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | 3.0x | Moderate |
FNB's net debt is about 2.8 years of its operating earnings (EBITDA), up from 2.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like FNB.
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 FNB on leverage, with a lower net debt burden relative to earnings.
FNB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.2 | Neutral |
| Stochastic | 45.2 | Neutral |
FNB's weekly RSI is 51 (neutral) and its Stochastic is 45 (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).
FNB PE vs Financial Services Sector
| Metric | FNB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 44 | 63 | 19 pts below |
FNB 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.
FNB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.7 | 2.3% above |
| 20 week MA | $18.3 | 1.3% below |
| 50 week MA | $17.8 | 1.5% above |
| 100 week MA | $16.4 | 11% above |
| 200 week MA | $14.7 | 23% above |
FNB's trend is mixed: it's above four of its five weekly moving averages, and 23% 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's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
FNB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.6 | $9.41 | -25% |
| 2021 | $9.41 | $12.0 | +27% |
| 2022 | $12.0 | $12.9 | +7.5% |
| 2023 | $12.9 | $13.8 | +6.9% |
| 2024 | $13.8 | $14.7 | +7% |
| 2025 | $14.7 | $17.6 | +19% |
| 2026 YTD | $17.6 | $18.1 | +3.1% |
FNB has finished higher in five of the last six years. It's up 3.1% so far in 2026.
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 the edge over FNB on returns for 2026, with the stronger performance.