JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
LKFN
Lakeland Financial Corporation
LKFN has the edge over JPM overall, supported by stronger valuation and stronger fundamentals.
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.
LKFN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
LKFN'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 LKFN.
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.
LKFN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $62.71 | +1.4% |
| Current | 14x | $61.84 | — |
| Forward | 14x | $61.84 | — |
| Fair | 17x | $75.20 | +22% |
| Expensive | 19x | $86.18 | +39% |
Historical ranges are pointers, not guarantees.
LKFN has the edge over JPM in the historical PE scenario, which offers more potential upside but is not a forecast.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
LKFN Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for LKFN, with profitability improving.
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 LKFN on earnings, with more consistent year-over-year improvement.
LKFN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.56 | +2% |
| Q3 2026 | $4.47 | +18% |
| Q2 2026 | $4.36 | +19% |
| Q1 2026 | $4.27 | +22% |
| Q4 2025 | $4.01 | +10% |
| Q3 2025 | $3.79 | -1.6% |
| Q2 2025 | $3.67 | -6.4% |
| Q1 2025 | $3.50 | -3.3% |
| Q4 2024 | $3.63 | -0.5% |
LKFN earned $4.47 per share over the past year, up 18% from the year before.
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 has the edge over LKFN on sales, with more consistent year-over-year improvement.
| 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.
LKFN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $73M | +5.7% |
| Q2 2026 | $70.9M | +6.8% |
| Q1 2026 | $69.7M | +9.3% |
| Q4 2025 | $69.8M | +9.8% |
| Q3 2025 | $69M | +13% |
| Q2 2025 | $66.4M | -3.5% |
| Q1 2025 | $63.8M | +6.3% |
| Q4 2024 | $63.6M | -3.4% |
LKFN's revenue has grown year over year for five quarters in a row: $73M last quarter, up 5.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 49% | +2.4 points |
| Q2 2026 | 49% | -0.6 points |
| Q1 2026 | 47% | +8.7 points |
| Q4 2025 | 52% | +6.1 points |
| Q3 2025 | 46% | +1.1 points |
| Q2 2025 | 50% | +10 points |
| Q1 2025 | 38% | -8.3 points |
| Q4 2024 | 46% | -8.8 points |
LKFN has the edge over JPM on profitability, with a higher operating margin.
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.
LKFN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $40.1M | +29% |
| Q2 2026 | $19.1M | +36% |
| Q1 2026 | $30M | +10% |
| Q4 2025 | $31.5M | -14% |
| Q3 2025 | $31.1M | +103% |
| Q2 2025 | $14.1M | -24% |
| Q1 2025 | $27.1M | +17% |
| Q4 2024 | $36.7M | +44% |
LKFN has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
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 LKFN 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.
LKFN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +6.3K shares |
| 1 year | -2.3% | -583K shares |
| 3 years | -1.8% | -456K shares |
| 5 years | -1.6% | -397K shares |
| Available history | -2% | -521K shares |
LKFN has 25M diluted shares, down 2.3% from a year ago, with $45M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.7M |
| Q2 2026 | $4.3M |
| Q1 2026 | $19.6M |
| Q4 2025 | $18.2M |
| Q3 2025 | $224,000 |
| Q2 2025 | $1.8M |
| Q1 2025 | $215,000 |
| Q4 2024 | $86,000 |
LKFN spent $45M buying back its own shares over the past year, more than ten times what it spent the year before.
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.
LKFN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.8x | Net Cash |
| Q2 2026 | -1.4x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -2.5x | Net Cash |
| Q1 2025 | -1.1x | Net Cash |
| Q4 2024 | -1.4x | Net Cash |
LKFN has the edge over JPM on leverage, with a lower net debt burden relative to earnings.
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).
LKFN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.6 | Neutral |
| Stochastic | 62.6 | Neutral |
LKFN's weekly RSI is 56 (neutral) and its Stochastic is 63 (neutral).
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.
LKFN PE vs Financial Services Sector
| Metric | LKFN | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.2% above |
| PE % | 14 | 63 | 49 pts below |
LKFN has the edge over JPM on valuation relative to its sector.
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.
LKFN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $59.4 | 4.2% above |
| 20 week MA | $60.5 | 2.3% above |
| 50 week MA | $59.8 | 3.4% above |
| 100 week MA | $61.1 | 1.2% above |
| 200 week MA | $61.0 | 1.5% above |
LKFN has the edge over JPM on trend strength, trading above more of its moving averages.
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.
LKFN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.8 | $52.5 | +7.5% |
| 2021 | $52.5 | $78.0 | +49% |
| 2022 | $78.0 | $73.8 | -5.4% |
| 2023 | $73.8 | $65.2 | -12% |
| 2024 | $65.2 | $68.8 | +5.5% |
| 2025 | $68.8 | $58.8 | -15% |
| 2026 YTD | $58.8 | $61.8 | +5.3% |
LKFN has the edge over JPM on returns for 2026, with the stronger performance.