GABC
German American Bancorp, Inc.
GABC 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.
GABC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
GABC'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 GABC.
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.
GABC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $44.81 | -9.8% |
| Forward | 12x | $49.70 | — |
| Current | 13x | $49.70 | — |
| Fair | 14x | $52.85 | +6.3% |
| Expensive | 15x | $58.58 | +18% |
Historical ranges are pointers, not guarantees.
GABC 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.
GABC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for GABC, with profitability improving.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
GABC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.10 | +4.9% |
| Q3 2026 | $3.91 | +36% |
| Q2 2026 | $3.82 | +45% |
| Q1 2026 | $3.64 | +46% |
| Q4 2025 | $3.06 | +8.1% |
| Q3 2025 | $2.87 | +4% |
| Q2 2025 | $2.64 | -5% |
| Q1 2025 | $2.49 | -12% |
| Q4 2024 | $2.83 | -2.7% |
GABC earned $3.91 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 has the edge over GABC on earnings, with more consistent year-over-year improvement.
GABC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $102.2M | +8.6% |
| Q2 2026 | $100M | +11% |
| Q1 2026 | $96.1M | +18% |
| Q4 2025 | $96M | +47% |
| Q3 2025 | $94.2M | +51% |
| Q2 2025 | $89.9M | +39% |
| Q1 2025 | $81.4M | +34% |
| Q4 2024 | $65.1M | +6.4% |
GABC has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 48% | +1.1 points |
| Q2 2026 | 48% | +4.5 points |
| Q1 2026 | 43% | +27 points |
| Q4 2025 | 46% | +1.6 points |
| Q3 2025 | 46% | +5.4 points |
| Q2 2025 | 44% | +2.6 points |
| Q1 2025 | 16% | -22 points |
| Q4 2024 | 44% | +2.4 points |
GABC 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.
GABC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $31.4M | -37% |
| Q2 2026 | $55.3M | +111% |
| Q1 2026 | $36M | -1.9% |
| Q4 2025 | $41M | +46% |
| Q3 2025 | $50.1M | +118% |
| Q2 2025 | $26.2M | +54% |
| Q1 2025 | $36.7M | +62% |
| Q4 2024 | $28M | -4.4% |
GABC 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.
GABC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +14.1K shares |
| 1 year | +0.2% | +85.4K shares |
| 3 years | +27% | +8M shares |
| 5 years | +42% | +11M shares |
| Available history | +46% | +11.8M shares |
GABC has 38M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2020 | $1.2M |
| Q1 2020 | $4.5M |
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 GABC 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.
GABC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.0x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.5x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.7x | Very low |
| Q2 2025 | 0.9x | Very low |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 0.4x | Very low |
GABC's net debt is about a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like GABC.
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 GABC on leverage, with a lower net debt burden relative to earnings.
GABC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.9 | Neutral |
| Stochastic | 41.5 | Neutral |
GABC's weekly RSI is 57 (neutral) and its Stochastic is 41 (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).
GABC PE vs Financial Services Sector
| Metric | GABC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 2.4% below |
| PE % | 32 | 63 | 31 pts below |
GABC 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.
GABC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $49.6 | 0.3% above |
| 20 week MA | $49.5 | 0.4% above |
| 50 week MA | $45.2 | 10% above |
| 100 week MA | $42.1 | 18% above |
| 200 week MA | $37.9 | 31% above |
GABC 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.
GABC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.7 | $32.4 | -9.1% |
| 2021 | $32.4 | $39.2 | +21% |
| 2022 | $39.2 | $37.3 | -4.8% |
| 2023 | $37.3 | $32.4 | -13% |
| 2024 | $32.4 | $40.6 | +25% |
| 2025 | $40.6 | $40.1 | -1.1% |
| 2026 YTD | $40.1 | $49.7 | +24% |
GABC 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.