FSBC
Five Star Bancorp
FSBC has a slight edge over JPM overall, supported by stronger fundamentals and stronger valuation.
JPM
JPMorgan Chase & Co.
JPM has slightly lower modeled downside risk, despite its lower overall score.
FSBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FSBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FSBC.
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.
FSBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $28.53 | -36% |
| Fair | 12x | $40.74 | -8% |
| Forward | 12x | $44.30 | — |
| Current | 13x | $44.30 | — |
| Expensive | 14x | $47.69 | +7.7% |
Historical ranges are pointers, not guarantees.
FSBC's PE is in its fair range at 13x. On analysts' estimates for next year's earnings, today's price would be 12x.
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 FSBC in the historical PE scenario, which offers more potential upside but is not a forecast.
FSBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FSBC, but weaker profitability.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
JPM has the edge over FSBC on the outlook, with more favorable profitability expectations.
FSBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.61 | +2.4% |
| Q3 2026 | $3.53 | +32% |
| Q2 2026 | $3.38 | +39% |
| Q1 2026 | $3.15 | +39% |
| Q4 2025 | $2.90 | +28% |
| Q3 2025 | $2.68 | +18% |
| Q2 2025 | $2.43 | +1.3% |
| Q1 2025 | $2.26 | -14% |
| Q4 2024 | $2.26 | -19% |
FSBC earned $3.53 per share over the past year, up 32% 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.
FSBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $52.6M | +27% |
| Q2 2026 | $48M | +25% |
| Q1 2026 | $45.1M | +28% |
| Q4 2025 | $43.5M | +24% |
| Q3 2025 | $41.3M | +30% |
| Q2 2025 | $38.3M | +25% |
| Q1 2025 | $35.3M | +24% |
| Q4 2024 | $35.2M | +23% |
FSBC has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 56% | +2.3 points |
| Q2 2026 | 54% | +2 points |
| Q1 2026 | 56% | +3.5 points |
| Q4 2025 | 53% | -2.2 points |
| Q3 2025 | 54% | +5.8 points |
| Q2 2025 | 52% | +3 points |
| Q1 2025 | 52% | -0.3 points |
| Q4 2024 | 55% | +2.1 points |
FSBC 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.
FSBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $26.1M | +41% |
| Q2 2026 | $23.2M | +32% |
| Q1 2026 | $18.8M | +22% |
| Q4 2025 | $19.9M | +11% |
| Q3 2025 | $18.6M | +7.3% |
| Q2 2025 | $17.5M | +11% |
| Q1 2025 | $15.4M | +10959% |
| Q4 2024 | $17.9M | +$19.7M |
FSBC 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.
FSBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +11% | +2.4M shares |
| 1 year | +11% | +2.4M shares |
| 3 years | +38% | +6.5M shares |
| 5 years | +38% | +6.6M shares |
FSBC has 24M diluted shares, up 11% from a year ago.
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 FSBC 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.
FSBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.6x | Very low |
| Q3 2024 | 0.5x | Very low |
| Q2 2024 | 0.7x | Very low |
| Q1 2024 | 2.5x | Moderate |
| Q4 2023 | 3.2x | Elevated |
| Q3 2023 | 1.9x | Healthy |
FSBC'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 FSBC.
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.
FSBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.6 | Neutral |
| Stochastic | 42.9 | Neutral |
FSBC's weekly RSI is 52 (neutral) and its Stochastic is 43 (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).
FSBC PE vs Financial Services Sector
| Metric | FSBC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 3.6% below |
| PE % | 62 | 65 | 3 pts below |
FSBC 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.
FSBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $43.8 | 1.1% above |
| 20 week MA | $45.6 | 2.8% below |
| 50 week MA | $42.1 | 5.3% above |
| 100 week MA | $36.2 | 23% above |
| 200 week MA | $30.3 | 46% above |
FSBC's trend is mixed: it's above four of its five weekly moving averages, and 46% 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.
FSBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $24.9 | $29.0 | +16% |
| 2022 | $29.0 | $27.4 | -5.5% |
| 2023 | $27.4 | $26.2 | -4.5% |
| 2024 | $26.2 | $30.2 | +15% |
| 2025 | $30.2 | $36.5 | +21% |
| 2026 YTD | $36.5 | $44.3 | +21% |
FSBC 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.