HTB
HomeTrust Bancshares, Inc.
HTB offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
JPM
JPMorgan Chase & Co.
JPM has the edge over HTB overall, supported by stronger fundamentals and stronger modeled upside.
HTB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HTB'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 HTB.
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.
HTB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.5x | $37.58 | -20% |
| Forward | 11x | $47.22 | — |
| Fair | 12x | $47.66 | +0.9% |
| Current | 12x | $47.22 | — |
| Expensive | 18x | $73.15 | +55% |
Historical ranges are pointers, not guarantees.
HTB 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.
HTB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect strong earnings and revenue growth for HTB, but weaker profitability. However, they disagree widely on these estimates.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
JPM has the edge over HTB on the outlook, with more favorable profitability expectations.
HTB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.16 | +4.8% |
| Q3 2026 | $3.97 | +9.7% |
| Q2 2026 | $3.81 | +11% |
| Q1 2026 | $3.87 | +22% |
| Q4 2025 | $3.72 | +16% |
| Q3 2023 | $3.08 | +41% |
| Q2 2023 | $2.80 | +26% |
| Q1 2023 | $2.29 | +66% |
| Q4 2022 | $2.40 | +78% |
HTB has the edge over JPM on earnings, with stronger typical year-over-year growth.
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.
HTB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $55.5M | +2.6% |
| Q2 2026 | $54.5M | +0.3% |
| Q1 2026 | $54.3M | +6.7% |
| Q4 2025 | $53.6M | +4.2% |
| Q3 2025 | $54.1M | +7.5% |
| Q2 2025 | $54.4M | +8.2% |
| Q1 2025 | $50.9M | +1.8% |
| Q3 2024 | $50.4M | -0.8% |
HTB's revenue has grown year over year for eight quarters in a row: $56M last quarter, up 2.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -1.5 points |
| Q2 2026 | 36% | -4.1 points |
| Q1 2026 | 39% | +2.4 points |
| Q4 2025 | 37% | +1.4 points |
| Q3 2025 | 39% | +5.2 points |
| Q2 2025 | 40% | +8.7 points |
| Q1 2025 | 36% | -1.8 points |
| Q4 2024 | 36% | N/A |
HTB's operating margin was 37% last quarter, down 1.5 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'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 has the edge over HTB on profitability, with a higher operating margin.
HTB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.3M | +$21.3M |
| Q2 2026 | $126K | +$10.3M |
| Q1 2026 | $110M | +56% |
| Q4 2025 | -$3.2M | -214% |
| Q2 2025 | -$10.2M | -279% |
| Q1 2025 | $70.7M | +$80.3M |
| Q2 2024 | $5.7M | +$69.2M |
| Q3 2023 | -$33.2M | -543% |
HTB 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.
HTB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.6% | -424K shares |
| 1 year | -6.6% | -1.1M shares |
| 3 years | +1.4% | +218K shares |
| 5 years | -3% | -496K shares |
| Available history | -8.9% | -1.6M shares |
HTB has the edge over JPM on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $44.8M |
| Q2 2026 | $7.2M |
| Q1 2026 | $23.1M |
| Q4 2025 | $10.3M |
| Q3 2025 | — |
| Q2 2025 | $2.8M |
| Q1 2025 | $503,000 |
| Q4 2024 | — |
HTB spent $85M buying back its own shares over the past year, more than ten 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 2.7B diluted shares, down 3.1% from a year ago, with $24.5B in buybacks over the past year.
| 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.
HTB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.4x | Net Cash |
| Q2 2026 | -1.2x | Net Cash |
| Q1 2026 | -2.5x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -1.0x | Net Cash |
| Q4 2022 | -0.7x | Net Cash |
| Q3 2022 | -2.0x | Net Cash |
| Q2 2022 | -2.2x | Net Cash |
HTB 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.
HTB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.2 | Neutral |
| Stochastic | 28.3 | Neutral |
HTB's weekly RSI is 51 (neutral) and its Stochastic is 28 (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).
HTB PE vs Financial Services Sector
| Metric | HTB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.7% below |
| PE % | 47 | 63 | 16 pts below |
HTB 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.
HTB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.8 | 1% above |
| 20 week MA | $47.9 | 1.5% below |
| 50 week MA | $45.9 | 2.9% above |
| 100 week MA | $41.6 | 14% above |
| 200 week MA | $34.3 | 38% above |
HTB's trend is mixed: it's above four of its five weekly moving averages, and 38% 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.
HTB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.9 | $19.4 | -28% |
| 2021 | $19.4 | $30.9 | +59% |
| 2022 | $30.9 | $24.5 | -21% |
| 2023 | $24.5 | $26.9 | +10% |
| 2024 | $26.9 | $33.9 | +26% |
| 2025 | $33.9 | $43.4 | +28% |
| 2026 YTD | $43.4 | $47.2 | +8.8% |
HTB 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.