JPM
JPMorgan Chase & Co.
JPM has the edge over OVLY overall, supported by stronger modeled upside and stronger fundamentals.
OVLY
Oak Valley Bancorp
OVLY trails on the overall score without a compensating advantage in the available component scores.
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.
OVLY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
OVLY's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OVLY.
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 OVLY in the historical PE scenario, which offers more potential upside but is not a forecast.
OVLY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $21.46 | -38% |
| Fair | 9.3x | $25.93 | -25% |
| Expensive | 12x | $32.28 | -6.6% |
| Current | 12x | $34.57 | — |
Historical ranges are pointers, not guarantees.
OVLY's PE is in its expensive range at 12x.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
OVLY Forward outlook
There aren't enough analyst estimates for OVLY to show an outlook.
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 OVLY on earnings, with more consistent year-over-year improvement.
OVLY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.78 | -2.5% |
| Q2 2026 | $2.82 | -3.8% |
| Q1 2026 | $2.88 | -3% |
| Q4 2025 | $2.88 | -4.6% |
| Q3 2025 | $2.85 | -5.3% |
| Q2 2025 | $2.93 | -2.7% |
| Q1 2025 | $2.97 | -11% |
| Q4 2024 | $3.02 | -19% |
OVLY's earnings per share have fallen from their peak: $2.78 over the past year, against $4.18 in late 2023.
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 OVLY on sales, with stronger typical year-over-year growth.
| 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 OVLY on profitability, with a higher operating margin.
OVLY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $21.7M | +2.3% |
| Q2 2026 | $20.6M | +3.8% |
| Q1 2026 | $20.8M | +7% |
| Q4 2025 | $21.3M | +10% |
| Q3 2025 | $21.2M | +8.6% |
| Q2 2025 | $19.9M | +4.2% |
| Q1 2025 | $19.4M | +3.5% |
| Q4 2024 | $19.3M | -2% |
OVLY's revenue has grown year over year for seven quarters in a row: $22M last quarter, up 2.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -2.5 points |
| Q2 2026 | 31% | -4.9 points |
| Q1 2026 | 33% | -2.2 points |
| Q4 2025 | 38% | -1.8 points |
| Q3 2025 | 40% | -10 points |
| Q2 2025 | 36% | -2.9 points |
| Q1 2025 | 35% | -3.5 points |
| Q4 2024 | 40% | +0.5 points |
OVLY's operating margin was 38% last quarter, down 2.5 points from the same quarter a year ago.
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.
OVLY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.1M | +43% |
| Q2 2026 | $3.4M | -15% |
| Q1 2026 | $7.8M | +16% |
| Q4 2025 | $7.4M | +119% |
| Q3 2025 | $6.3M | -27% |
| Q2 2025 | $4M | +12% |
| Q1 2025 | $6.8M | -17% |
| Q4 2024 | $3.4M | +$4.9M |
OVLY 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 OVLY 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.
OVLY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +15K shares |
| 1 year | +0.6% | +49K shares |
| 3 years | +1.4% | +116K shares |
| 5 years | +2% | +165K shares |
| Available history | +2.9% | +231K shares |
OVLY has 8M diluted shares, up 0.6% from a year ago.
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.
OVLY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.8x | Net Cash |
| Q2 2026 | -6.2x | Net Cash |
| Q1 2026 | -6.3x | Net Cash |
| Q4 2025 | -7.3x | Net Cash |
| Q3 2025 | -7.8x | Net Cash |
| Q2 2025 | -6.1x | Net Cash |
| Q1 2025 | -6.3x | Net Cash |
| Q4 2024 | -5.0x | Net Cash |
OVLY 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).
OVLY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.3 | Neutral |
| Stochastic | 56.6 | Neutral |
OVLY's weekly RSI is 56 (neutral) and its Stochastic is 57 (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.
OVLY PE vs Financial Services Sector
| Metric | OVLY | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 4.5% below |
| PE % | 96 | 63 | 33 pts above |
OVLY 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.
OVLY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.1 | 1.3% above |
| 20 week MA | $34.0 | 1.6% above |
| 50 week MA | $33.1 | 4.5% above |
| 100 week MA | $30.0 | 15% above |
| 200 week MA | $27.9 | 24% above |
OVLY 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.
OVLY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.6 | $17.4 | -11% |
| 2021 | $17.4 | $17.3 | -0.9% |
| 2022 | $17.3 | $21.7 | +26% |
| 2023 | $21.7 | $30.0 | +38% |
| 2024 | $30.0 | $29.7 | -0.8% |
| 2025 | $29.7 | $30.0 | +1.1% |
| 2026 YTD | $30.0 | $34.6 | +15% |
OVLY has the edge over JPM on returns for 2026, with the stronger performance.