FNRN
First Northern Community Bancorp
FNRN offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
JPM
JPMorgan Chase & Co.
JPM has the edge over FNRN overall, supported by stronger modeled upside and stronger fundamentals.
FNRN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FNRN'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 FNRN.
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.
FNRN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $13.75 | -19% |
| Fair | 12x | $15.50 | -8.8% |
| Expensive | 13x | $17.50 | +2.9% |
| Current | 13x | $17.00 | — |
Historical ranges are pointers, not guarantees.
FNRN 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.
FNRN Forward outlook
There aren't enough analyst estimates for FNRN to show an outlook.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
FNRN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.34 | +11% |
| Q2 2026 | $1.32 | +13% |
| Q1 2026 | $1.37 | +25% |
| Q4 2025 | $1.22 | +7% |
| Q3 2025 | $1.21 | 0% |
| Q2 2025 | $1.17 | +0.9% |
| Q1 2025 | $1.10 | -5.2% |
| Q4 2024 | $1.14 | -8.1% |
FNRN earned $1.34 per share over the past year, up 11% 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 FNRN on earnings, with more consistent year-over-year improvement.
FNRN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $21M | +13% |
| Q2 2026 | $18.8M | +1.5% |
| Q1 2026 | $18.9M | +8.9% |
| Q4 2025 | $19.2M | +6.5% |
| Q3 2025 | $18.5M | +2.6% |
| Q2 2025 | $18.5M | +5.9% |
| Q1 2025 | $17.4M | +3.1% |
| Q4 2024 | $18M | -3.1% |
FNRN's revenue has grown year over year for seven quarters in a row: $21M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +3.9 points |
| Q2 2026 | 33% | -8 points |
| Q1 2026 | 40% | +12 points |
| Q4 2025 | 43% | -2 points |
| Q3 2025 | 36% | -6.9 points |
| Q2 2025 | 41% | +6.1 points |
| Q1 2025 | 28% | -6.7 points |
| Q4 2024 | 45% | -5.9 points |
FNRN's operating margin was 40% last quarter, up 3.9 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 has the edge over FNRN on sales, with stronger typical year-over-year growth.
| 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 FNRN on profitability, with a higher operating margin.
FNRN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.9M | +$11.4M |
| Q2 2026 | $2.9M | +32% |
| Q1 2026 | $3.8M | +13% |
| Q4 2025 | $7.1M | +15% |
| Q3 2025 | -$7.5M | -195% |
| Q2 2025 | $2.2M | -9% |
| Q1 2025 | $3.3M | +25% |
| Q4 2024 | $6.2M | +192% |
FNRN 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.
FNRN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -31.4K shares |
| 1 year | -0.5% | -90.3K shares |
| 3 years | -2.7% | -453K shares |
| 5 years | -4.7% | -807K shares |
| Available history | -4.9% | -850K shares |
FNRN has 16M diluted shares, down 0.5% from a year ago, with $5M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.8M |
| Q2 2026 | $244,000 |
| Q1 2026 | $1.2M |
| Q4 2025 | $1.5M |
| Q3 2025 | $1.1M |
| Q2 2025 | $876,000 |
| Q1 2025 | $1.3M |
| Q4 2024 | $969,000 |
FNRN spent $5M buying back its own shares over the past year, up 11% 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 FNRN 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.
FNRN 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.
FNRN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.4 | Neutral |
| Stochastic | 39.7 | Neutral |
FNRN's weekly RSI is 51 (neutral) and its Stochastic is 40 (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).
FNRN PE vs Financial Services Sector
| Metric | FNRN | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 2.5% below |
| PE % | 64 | 25 | 39 pts above |
FNRN 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.
FNRN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.0 | 0.2% above |
| 20 week MA | $17.4 | 2.1% below |
| 50 week MA | $16.1 | 5.9% above |
JPM has stronger trend alignment. FNRN is above 2 of 3 weekly averages versus JPM above 4 of 5.
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.
FNRN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $9.34 | $13.4 | +44% |
| 2026 YTD | $13.4 | $17.0 | +27% |
FNRN 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.