JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
ORRF
Orrstown Financial Services, Inc.
ORRF has a slight 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.
ORRF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ORRF'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 ORRF.
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.
ORRF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $34.06 | -23% |
| Fair | 9.1x | $40.84 | -7.4% |
| Forward | 9.6x | $44.10 | — |
| Current | 9.8x | $44.10 | — |
| Expensive | 15x | $69.33 | +57% |
Historical ranges are pointers, not guarantees.
ORRF 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.
ORRF Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ORRF, 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'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.
ORRF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.58 | +2% |
| Q3 2026 | $4.49 | +31% |
| Q2 2026 | $4.45 | +137% |
| Q1 2026 | $4.37 | +173% |
| Q4 2025 | $4.18 | +182% |
| Q3 2025 | $3.42 | +83% |
| Q2 2025 | $1.88 | -40% |
| Q1 2025 | $1.60 | -52% |
| Q4 2024 | $1.48 | -57% |
ORRF earned $4.49 per share over the past year, up 31% 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'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.
ORRF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $66.7M | +3.6% |
| Q2 2026 | $62.7M | +0.4% |
| Q1 2026 | $64.6M | +7% |
| Q4 2025 | $64.9M | +5% |
| Q3 2025 | $64.4M | +0.4% |
| Q2 2025 | $62.4M | +88% |
| Q1 2025 | $60.4M | +80% |
| Q4 2024 | $61.8M | +90% |
ORRF's revenue has grown year over year for nine quarters in a row: $67M last quarter, up 3.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | -0.5 points |
| Q2 2026 | 39% | -0.2 points |
| Q1 2026 | 43% | +4.9 points |
| Q4 2025 | 42% | +15 points |
| Q3 2025 | 43% | +58 points |
| Q2 2025 | 40% | +10 points |
| Q1 2025 | 38% | +5.6 points |
| Q4 2024 | 28% | -2.1 points |
ORRF 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.
ORRF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.9M | -118% |
| Q2 2026 | $22.4M | -5.4% |
| Q1 2026 | $25.1M | +191% |
| Q4 2025 | $15.9M | +119% |
| Q3 2025 | $22.3M | +213% |
| Q2 2025 | $23.7M | +270% |
| Q1 2025 | $8.6M | -31% |
| Q4 2024 | $7.2M | -45% |
ORRF 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 ORRF 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.
ORRF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +72K shares |
| 1 year | +0.7% | +140K shares |
| 3 years | +87% | +9.1M shares |
| 5 years | +76% | +8.4M shares |
| Available history | +86% | +9M shares |
ORRF has 20M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $429,000 |
| Q4 2025 | $169,000 |
| Q3 2025 | $29,000 |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
ORRF has spent almost nothing on buybacks in the past year.
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.
ORRF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | -0.2x | Net Cash |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | 0.1x | Very low |
| Q4 2024 | 1.5x | Healthy |
ORRF 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).
ORRF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.5 | Neutral |
| Stochastic | 66.2 | Neutral |
ORRF's weekly RSI is 63 (neutral) and its Stochastic is 66 (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.
ORRF PE vs Financial Services Sector
| Metric | ORRF | Sector median | Relative |
|---|---|---|---|
| PE | 9.8x | 13x | 25% below |
| PE % | 65 | 63 | 2 pts above |
ORRF 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.
ORRF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $42.8 | 3.1% above |
| 20 week MA | $42.4 | 4.1% above |
| 50 week MA | $39.1 | 13% above |
| 100 week MA | $36.0 | 23% above |
| 200 week MA | $31.1 | 42% above |
ORRF 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.
ORRF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.8 | $16.9 | -26% |
| 2021 | $16.9 | $24.4 | +45% |
| 2022 | $24.4 | $23.8 | -2.8% |
| 2023 | $23.8 | $29.5 | +24% |
| 2024 | $29.5 | $36.5 | +24% |
| 2025 | $36.5 | $35.9 | -1.5% |
| 2026 YTD | $35.9 | $44.1 | +23% |
ORRF has the edge over JPM on returns for 2026, with the stronger performance.