JPM
JPMorgan Chase & Co.
JPM has the edge over SBFG overall, supported by stronger modeled upside and lower modeled downside.
SBFG
SB Financial Group, Inc.
SBFG offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
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.
SBFG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
SBFG'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 SBFG.
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.
SBFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.5x | $19.93 | -32% |
| Fair | 9.2x | $24.55 | -16% |
| Expensive | 11x | $30.03 | +2.8% |
| Current | 11x | $29.21 | — |
| Forward | 11x | $29.21 | — |
Historical ranges are pointers, not guarantees.
SBFG 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 |
JPM has the edge over SBFG on the outlook, with more favorable earnings and profitability expectations.
SBFG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect SBFG's revenue to grow, but its profitability to weaken.
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.
SBFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.62 | -1.5% |
| Q3 2026 | $2.66 | +25% |
| Q2 2026 | $2.67 | +46% |
| Q1 2026 | $2.55 | +50% |
| Q4 2025 | $2.19 | +27% |
| Q3 2025 | $2.12 | +22% |
| Q2 2025 | $1.83 | +2.8% |
| Q1 2025 | $1.70 | -2.9% |
| Q4 2024 | $1.72 | -1.7% |
SBFG earned $2.66 per share over the past year, up 25% 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 has the edge over SBFG on profitability, with a higher operating margin.
SBFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.1M | +9% |
| Q2 2026 | $17.9M | +4.5% |
| Q1 2026 | $17.4M | +13% |
| Q4 2025 | $16.4M | +6.3% |
| Q3 2025 | $16.6M | +16% |
| Q2 2025 | $17.2M | +22% |
| Q1 2025 | $15.4M | +17% |
| Q4 2024 | $15.5M | +2.2% |
SBFG has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | -3.4 points |
| Q2 2026 | 31% | +3.2 points |
| Q1 2026 | 30% | +14 points |
| Q4 2025 | 30% | +1.1 points |
| Q3 2025 | 30% | +8.2 points |
| Q2 2025 | 28% | +3.5 points |
| Q1 2025 | 17% | -4.9 points |
| Q4 2024 | 29% | -2.6 points |
SBFG's operating margin was 27% last quarter, down 3.4 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.
SBFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $8.5M | -31% |
| Q2 2026 | $6.5M | +$10.6M |
| Q1 2026 | -$3.2M | -156% |
| Q4 2025 | $7.6M | +33% |
| Q3 2025 | $12.2M | +279% |
| Q2 2025 | -$4.2M | -$3.3M |
| Q1 2025 | $5.8M | +3779% |
| Q4 2024 | $5.7M | -14% |
SBFG 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 SBFG 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.
SBFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -2K shares |
| 1 year | -1.5% | -93K shares |
| 3 years | -9.6% | -660K shares |
| 5 years | -19% | -1.5M shares |
| Available history | -24% | -1.9M shares |
SBFG has 6M diluted shares, down 1.5% from a year ago, with $2M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $194,000 |
| Q2 2026 | $626,000 |
| Q1 2026 | $676,000 |
| Q4 2025 | $649,000 |
| Q3 2025 | $2M |
| Q2 2025 | $2.3M |
| Q1 2025 | $712,000 |
| Q4 2024 | $2.7M |
SBFG spent $2M buying back its own shares over the past year, down 72% from 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 has the edge over SBFG on leverage, with a lower net debt burden relative to earnings.
SBFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 13.1x | High |
| Q2 2026 | 11.1x | High |
| Q1 2026 | 12.3x | High |
| Q4 2025 | 27.7x | High |
| Q3 2025 | 15.5x | High |
| Q2 2025 | 18.2x | High |
| Q1 2025 | 18.0x | High |
| Q4 2024 | 0.3x | Very low |
SBFG's net debt is about 13 years of its operating earnings (EBITDA), down from 15 years a year ago. Net leverage isn't a meaningful measure for financial services companies like SBFG.
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).
SBFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.5 | Neutral |
| Stochastic | 60.0 | Neutral |
SBFG's weekly RSI is 60 (neutral) and its Stochastic is 60 (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.
SBFG PE vs Financial Services Sector
| Metric | SBFG | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 79 | 63 | 16 pts above |
SBFG 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.
SBFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.6 | 1.3% below |
| 20 week MA | $28.2 | 3.5% above |
| 50 week MA | $24.4 | 20% above |
| 100 week MA | $22.3 | 31% above |
| 200 week MA | $18.7 | 56% above |
SBFG's trend is up, with a small recent dip: it's below only its 8-week average, and 56% 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.
SBFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18.7 | $17.1 | -8.4% |
| 2021 | $17.1 | $18.1 | +5.6% |
| 2022 | $18.1 | $16.5 | -8.6% |
| 2023 | $16.5 | $15.4 | -7% |
| 2024 | $15.4 | $21.5 | +40% |
| 2025 | $21.5 | $21.9 | +1.9% |
| 2026 YTD | $21.9 | $29.2 | +33% |
SBFG has the edge over JPM on returns for 2026, with the stronger performance.