HBT
HBT Financial, Inc.
HBT trails on the overall score without a compensating advantage in the available component scores.
JPM
JPMorgan Chase & Co.
JPM has the edge over HBT overall, supported by stronger fundamentals and stronger valuation.
HBT Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
HBT's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HBT.
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.
HBT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.1x | $23.32 | -38% |
| Fair | 10x | $25.73 | -31% |
| Expensive | 11x | $28.51 | -24% |
| Forward | 11x | $37.49 | — |
| Current | 15x | $37.49 | — |
Historical ranges are pointers, not guarantees.
HBT's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
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 HBT in the historical PE scenario, which offers more potential upside but is not a forecast.
HBT Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for HBT, but weaker profitability.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
HBT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.45 | +35% |
| Q3 2026 | $2.56 | +3.2% |
| Q2 2026 | $2.33 | -3.7% |
| Q1 2026 | $2.18 | -8.4% |
| Q4 2025 | $2.44 | +8% |
| Q3 2025 | $2.48 | +13% |
| Q2 2025 | $2.42 | +8% |
| Q1 2025 | $2.38 | +5.8% |
| Q4 2024 | $2.26 | +9.2% |
HBT earned $2.56 per share over the past year, up 3.2% 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 HBT on earnings, with more consistent year-over-year improvement.
HBT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $84.6M | +41% |
| Q2 2026 | $80.9M | +38% |
| Q1 2026 | $67.3M | +16% |
| Q4 2025 | $60.4M | +2.4% |
| Q3 2025 | $59.8M | +6% |
| Q2 2025 | $58.8M | +3.8% |
| Q1 2025 | $58M | +11% |
| Q4 2024 | $59M | +4.9% |
HBT has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 50% | +5.5 points |
| Q2 2026 | 47% | +1.9 points |
| Q1 2026 | 22% | -22 points |
| Q4 2025 | 43% | -3.5 points |
| Q3 2025 | 45% | +1.2 points |
| Q2 2025 | 45% | +0.8 points |
| Q1 2025 | 44% | +4.7 points |
| Q4 2024 | 46% | +2.4 points |
HBT 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.
HBT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $34.5M | +101% |
| Q2 2026 | $17.2M | +27% |
| Q1 2026 | $28.5M | -6.3% |
| Q4 2025 | $23.9M | +38% |
| Q3 2025 | $17.2M | -33% |
| Q2 2025 | $13.6M | -32% |
| Q1 2025 | $30.4M | +14% |
| Q4 2024 | $17.3M | +33% |
HBT 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.
HBT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +22.7K shares |
| 1 year | +16% | +4.9M shares |
| 3 years | +14% | +4.5M shares |
| 5 years | +33% | +9.1M shares |
| Available history | +33% | +9M shares |
HBT has 36M diluted shares, up 16% from a year ago, despite $17M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $426,000 |
| Q1 2026 | $15.7M |
| Q4 2025 | $587,000 |
| Q3 2025 | $1M |
| Q2 2025 | $2.9M |
| Q1 2025 | — |
| Q4 2024 | — |
HBT spent $17M buying back its own shares over the past year, about four 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 HBT 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.
HBT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -2.1x | Net Cash |
| Q4 2025 | -1.1x | Net Cash |
| Q3 2025 | -1.4x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -1.0x | Net Cash |
HBT 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.
HBT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.3 | Overbought |
| Stochastic | 65.9 | Neutral |
HBT's weekly RSI is 70 (overbought) and its Stochastic is 66 (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).
HBT PE vs Financial Services Sector
| Metric | HBT | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 12% above |
| PE % | 95 | 63 | 32 pts above |
HBT is trading at 15x earnings, a 12% premium to the Financial Services sector's median of 13x.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM has the edge over HBT on valuation relative to its sector.
HBT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $36.3 | 3.3% above |
| 20 week MA | $35.5 | 5.5% above |
| 50 week MA | $30.9 | 22% above |
| 100 week MA | $27.4 | 37% above |
| 200 week MA | $23.8 | 58% above |
HBT 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.
HBT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18.8 | $15.1 | -19% |
| 2021 | $15.1 | $18.7 | +24% |
| 2022 | $18.7 | $19.6 | +4.9% |
| 2023 | $19.6 | $21.1 | +7.9% |
| 2024 | $21.1 | $21.7 | +2.7% |
| 2025 | $21.7 | $26.0 | +20% |
| 2026 YTD | $26.0 | $37.5 | +44% |
HBT 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.