ISBA
Isabella Bank Corporation
ISBA offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
JPM
JPMorgan Chase & Co.
JPM has the edge over ISBA overall, supported by stronger modeled upside and lower modeled downside.
ISBA Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
ISBA's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ISBA.
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.
ISBA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $23.34 | -41% |
| Forward | 11x | $39.60 | — |
| Fair | 12x | $35.44 | -11% |
| Current | 14x | $39.60 | — |
| Expensive | 16x | $44.67 | +13% |
Historical ranges are pointers, not guarantees.
ISBA's PE is in its fair range at 14x. 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 ISBA in the historical PE scenario, which offers more potential upside but is not a forecast.
ISBA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ISBA, 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.
ISBA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.65 | +27% |
| Q3 2026 | $2.87 | +17% |
| Q2 2026 | $2.72 | +24% |
| Q1 2026 | $2.71 | +38% |
| Q4 2025 | $2.56 | +38% |
| Q3 2025 | $2.46 | +34% |
| Q2 2025 | $2.19 | +11% |
| Q1 2025 | $1.97 | -7.1% |
| Q4 2024 | $1.86 | -22% |
ISBA earned $2.87 per share over the past year, up 17% 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.
ISBA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $23.9M | +17% |
| Q2 2026 | $22.5M | +19% |
| Q1 2026 | $21.2M | +18% |
| Q4 2025 | $21.2M | +14% |
| Q3 2025 | $20.5M | +14% |
| Q2 2025 | $18.8M | +9.7% |
| Q1 2025 | $18.1M | +8% |
| Q4 2024 | $18.5M | +8.2% |
ISBA has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 34% | +3.8 points |
| Q2 2026 | 28% | -5.3 points |
| Q1 2026 | 28% | +1.2 points |
| Q4 2025 | 32% | +6.2 points |
| Q3 2025 | 31% | +9.3 points |
| Q2 2025 | 33% | +8.9 points |
| Q1 2025 | 27% | +5.1 points |
| Q4 2024 | 26% | -0.4 points |
ISBA's operating margin was 34% last quarter, up 3.8 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 ISBA on profitability, with a higher operating margin.
ISBA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.9M | +181% |
| Q2 2026 | $7.3M | +0.8% |
| Q1 2026 | $3.2M | -13% |
| Q4 2025 | $10.6M | +61% |
| Q3 2025 | $1.7M | -49% |
| Q2 2025 | $7.2M | +44% |
| Q1 2025 | $3.7M | +47% |
| Q4 2024 | $6.6M | +62% |
ISBA 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.
ISBA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4.2% | +306K shares |
| 1 year | +3.7% | +271K shares |
| 3 years | +1% | +72.5K shares |
| 5 years | -5% | -402K shares |
| Available history | -5.6% | -452K shares |
ISBA has 8M diluted shares, up 3.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $136,000 |
| Q2 2026 | $224,000 |
| Q1 2026 | $402,000 |
| Q4 2025 | $1.5M |
| Q3 2025 | $609,000 |
| Q2 2025 | $1.5M |
| Q1 2025 | $1.1M |
| Q3 2024 | $1M |
ISBA spent $2M buying back its own shares over the past year.
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 ISBA 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.
ISBA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.7x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.8x | Net Cash |
| Q4 2025 | 0.1x | Very low |
| Q3 2025 | -5.4x | Net Cash |
| Q2 2025 | -3.6x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | 0.3x | Very low |
ISBA 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.
ISBA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.7 | Neutral |
| Stochastic | 61.5 | Neutral |
ISBA's weekly RSI is 49 (neutral) and its Stochastic is 61 (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).
ISBA PE vs Financial Services Sector
| Metric | ISBA | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6% above |
| PE % | 62 | 63 | 1 pt below |
ISBA 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.
ISBA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $38.6 | 2.5% above |
| 20 week MA | $39.2 | 1.1% above |
| 50 week MA | $43.4 | 8.8% below |
| 100 week MA | $36.8 | 7.7% above |
| 200 week MA | $28.9 | 37% above |
ISBA's trend is mixed: it's above four of its five weekly moving averages, and 37% 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.
ISBA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.2 | $19.8 | -18% |
| 2021 | $19.8 | $26.3 | +33% |
| 2022 | $26.3 | $23.0 | -13% |
| 2023 | $23.0 | $21.5 | -6.5% |
| 2024 | $21.5 | $26.0 | +21% |
| 2025 | $26.0 | $51.6 | +99% |
| 2026 YTD | $51.6 | $39.6 | -23% |
ISBA has finished lower in three of the last six years. It's down 23% so far in 2026.
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 the edge over ISBA on returns for 2026, with the stronger performance.