JPM
JPMorgan Chase & Co.
JPM's fundamentals are strong, but it looks expensive: trading at 14x earnings, above its usual 12x. Analysts expect earnings growth.
PBHC
Pathfinder Bancorp, Inc.
There isn't enough reported data to score PBHC yet.
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.
PBHC Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
PBHC's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PBHC.
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.
PBHC PE Valuation
PBHC has no meaningful PE right now: it lost money over the past year.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
PBHC Forward outlook
There aren't enough analyst estimates for PBHC 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'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.
PBHC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2021 | $1.24 | +28% |
| Q4 2020 | $1.17 | +46% |
| Q3 2020 | $1.20 | +71% |
PBHC has the edge over JPM in the latest year-over-year earnings comparison.
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.
PBHC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $11.8M | -23% |
| Q4 2024 | $15.3M | +46% |
| Q4 2021 | $11.1M | +16% |
| Q1 2021 | $10.4M | +9.2% |
| Q4 2020 | $9.6M | +5.9% |
| Q3 2020 | $9.8M | +15% |
PBHC has the edge over JPM in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -72% | -110 points |
| Q4 2024 | 38% | +7.4 points |
| Q4 2023 | 30% | N/A |
| Q4 2021 | 45% | +24 points |
| Q1 2021 | 26% | +3.1 points |
| Q4 2020 | 20% | -4.6 points |
| Q3 2020 | 19% | +0.3 points |
| Q2 2020 | 25% | N/A |
PBHC's operating margin was −72% last quarter, down 98 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
PBHC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $2.4M | +$5.5M |
| Q4 2024 | -$3.1M | -138% |
| Q4 2021 | $4.3M | +172% |
| Q1 2021 | $2.9M | -92% |
| Q4 2020 | $1.6M | +78% |
| Q3 2020 | $3.8M | +31% |
PBHC's free cash flow was $12M over the past year, up 15% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PBHC.
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 PBHC 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.
PBHC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +26.1K shares |
| 1 year | +6.8% | +303K shares |
PBHC has 5M diluted shares, up 6.8% 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.
PBHC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2021 | 7.1x | High |
| Q4 2020 | 6.7x | High |
| Q3 2020 | 6.1x | High |
| Q2 2020 | 5.6x | High |
| Q1 2020 | 5.1x | High |
| Q4 2019 | 12.1x | High |
| Q3 2019 | 10.3x | High |
PBHC's net debt is about 7.1 years of its operating earnings (EBITDA), up from 5.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PBHC.
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).
PBHC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.2 | Neutral |
| Stochastic | 47.9 | Neutral |
PBHC's weekly RSI is 55 (neutral) and its Stochastic is 48 (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.
PBHC PE vs Financial Services Sector
| Metric | PBHC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
PBHC has no meaningful PE right now: it lost money over the past year.
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.
PBHC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.0 | 1.5% below |
| 20 week MA | $16.6 | 0.4% above |
| 50 week MA | $15.0 | 11% above |
| 100 week MA | $15.3 | 9.1% above |
| 200 week MA | $15.0 | 12% above |
PBHC's trend is up, with a small recent dip: it's below only its 8-week average, and 12% above its 200-week average.
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.
PBHC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.0 | $11.4 | -18% |
| 2021 | $11.4 | $17.0 | +49% |
| 2022 | $17.0 | $18.5 | +8.8% |
| 2023 | $18.5 | $14.0 | -24% |
| 2024 | $14.0 | $17.6 | +25% |
| 2025 | $17.6 | $13.7 | -22% |
| 2026 YTD | $13.7 | $16.7 | +22% |
PBHC has the edge over JPM on returns for 2026, with the stronger performance.