ISTR
Investar Holding Corporation
ISTR 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.
ISTR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
ISTR's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like ISTR.
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.
ISTR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.7x | $17.54 | -38% |
| Forward | 9.1x | $28.15 | — |
| Current | 11x | $28.15 | — |
| Fair | 12x | $30.37 | +7.9% |
| Expensive | 14x | $37.39 | +33% |
Historical ranges are pointers, not guarantees.
ISTR's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 9.1x next year's earnings, in its cheap range.
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 ISTR in the historical PE scenario, which offers more potential upside but is not a forecast.
ISTR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
ISTR has the edge over JPM on the outlook, with more favorable valuation expectations.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
ISTR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.09 | +18% |
| Q3 2026 | $2.62 | +17% |
| Q2 2026 | $2.42 | +8% |
| Q1 2026 | $2.27 | +3.7% |
| Q4 2025 | $2.13 | +4.4% |
| Q3 2025 | $2.24 | +25% |
| Q2 2025 | $2.24 | +46% |
| Q1 2025 | $2.19 | +22% |
| Q4 2024 | $2.04 | +21% |
ISTR 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.
ISTR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $36.8M | +53% |
| Q2 2026 | $36.5M | +65% |
| Q1 2026 | $35.6M | +49% |
| Q4 2025 | $23.5M | +0.9% |
| Q3 2025 | $24M | +7.4% |
| Q2 2025 | $22.1M | +8.7% |
| Q1 2025 | $24M | +12% |
| Q4 2024 | $23.3M | +18% |
ISTR has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +7.5 points |
| Q2 2026 | 32% | +7.2 points |
| Q1 2026 | 42% | +9.6 points |
| Q4 2025 | 31% | -0.3 points |
| Q3 2025 | 31% | +3.6 points |
| Q2 2025 | 25% | +0.5 points |
| Q1 2025 | 32% | +3.7 points |
| Q4 2024 | 31% | +9.3 points |
ISTR's operating margin was 39% last quarter, up 7.5 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 ISTR on profitability, with a higher operating margin.
ISTR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $11.1M | +60% |
| Q2 2026 | $6.4M | +103% |
| Q1 2026 | $9.9M | +122% |
| Q4 2025 | $3.6M | +$3.9M |
| Q3 2025 | $6.9M | +25% |
| Q2 2025 | $3.2M | +12% |
| Q1 2025 | $4.5M | -43% |
| Q4 2024 | -$291K | -198% |
ISTR 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.
ISTR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +182K shares |
| 1 year | +58% | +5.8M shares |
| 3 years | +59% | +5.8M shares |
| 5 years | +49% | +5.2M shares |
| Available history | +57% | +5.7M shares |
ISTR has 16M diluted shares, up 58% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $747,000 |
| Q2 2026 | $763,000 |
| Q1 2026 | $1.5M |
| Q4 2025 | $689,000 |
| Q3 2025 | $321,000 |
| Q2 2025 | $634,000 |
| Q1 2025 | $649,000 |
| Q4 2024 | — |
ISTR spent $4M buying back its own shares over the past year, up 134% from 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 ISTR 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.
ISTR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.2x | Elevated |
| Q2 2026 | 2.7x | Moderate |
| Q1 2026 | 3.0x | Moderate |
| Q4 2025 | -0.6x | Net Cash |
| Q3 2025 | 1.4x | Healthy |
| Q2 2025 | 2.0x | Healthy |
| Q1 2025 | 1.7x | Healthy |
| Q4 2024 | -0.6x | Net Cash |
ISTR's net debt is about 3.2 years of its operating earnings (EBITDA), up from 1.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ISTR.
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 ISTR on leverage, with a lower net debt burden relative to earnings.
ISTR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.5 | Neutral |
| Stochastic | 14.8 | Oversold |
ISTR's weekly RSI is 44 (neutral) and its Stochastic is 15 (oversold).
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).
ISTR PE vs Financial Services Sector
| Metric | ISTR | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 43 | 63 | 20 pts below |
ISTR 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.
ISTR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $28.5 | 1.2% below |
| 20 week MA | $29.5 | 4.7% below |
| 50 week MA | $28.7 | 1.8% below |
| 100 week MA | $24.7 | 14% above |
| 200 week MA | $20.2 | 39% above |
ISTR has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 39% 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 has the edge over ISTR on trend strength, trading above more of its moving averages.
ISTR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.1 | $16.6 | -31% |
| 2021 | $16.6 | $17.8 | +6.8% |
| 2022 | $17.8 | $21.6 | +21% |
| 2023 | $21.6 | $14.9 | -31% |
| 2024 | $14.9 | $22.0 | +47% |
| 2025 | $22.0 | $27.3 | +24% |
| 2026 YTD | $27.3 | $28.2 | +3.2% |
ISTR has finished higher in four of the last six years. It's up 3.2% 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 ISTR on returns for 2026, with the stronger performance.