JPM
JPMorgan Chase & Co.
JPM has slightly lower modeled downside risk, despite its lower overall score.
SBSI
Southside Bancshares, Inc.
SBSI 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.
SBSI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
SBSI's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like SBSI.
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.
SBSI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.9x | $32.86 | -6% |
| Forward | 10x | $34.98 | — |
| Current | 11x | $34.98 | — |
| Fair | 12x | $39.16 | +12% |
| Expensive | 15x | $48.19 | +38% |
Historical ranges are pointers, not guarantees.
SBSI 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.
SBSI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
SBSI has the edge over JPM on the outlook, with more favorable valuation expectations.
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 SBSI on earnings, with more consistent year-over-year improvement.
SBSI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.51 | +6% |
| Q3 2026 | $3.31 | +44% |
| Q2 2026 | $2.54 | -9.9% |
| Q1 2026 | $2.36 | -19% |
| Q4 2025 | $2.29 | -21% |
| Q3 2025 | $2.30 | -17% |
| Q2 2025 | $2.82 | +4.4% |
| Q1 2025 | $2.91 | +7.8% |
| Q4 2024 | $2.91 | +3.2% |
SBSI earned $3.31 per share over the past year, up 44% 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 SBSI 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.
SBSI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $74M | +69% |
| Q2 2026 | $71.3M | +7.4% |
| Q1 2026 | $70.3M | +9.7% |
| Q4 2025 | $62.8M | -4.8% |
| Q3 2025 | $43.7M | -31% |
| Q2 2025 | $66.4M | +1.9% |
| Q1 2025 | $64.1M | +1.6% |
| Q4 2024 | $66M | +16% |
SBSI's revenue is growing: $74M last quarter, up 69% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +35 points |
| Q2 2026 | 46% | +5.7 points |
| Q1 2026 | 40% | -0.7 points |
| Q4 2025 | 39% | -0.7 points |
| Q3 2025 | 12% | -28 points |
| Q2 2025 | 40% | -5.9 points |
| Q1 2025 | 41% | -0.5 points |
| Q4 2024 | 40% | +5.8 points |
SBSI 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.
SBSI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $65.4M | +75% |
| Q2 2026 | $27.5M | +$29.5M |
| Q1 2026 | $45M | +109% |
| Q4 2025 | $16.6M | -51% |
| Q3 2025 | $37.4M | +$51.5M |
| Q2 2025 | -$2M | -113% |
| Q1 2025 | $21.5M | -61% |
| Q4 2024 | $33.7M | +$92.2M |
SBSI 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 SBSI 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.
SBSI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +28K shares |
| 1 year | -0.8% | -230K shares |
| 3 years | -2.1% | -638K shares |
| 5 years | -8.1% | -2.7M shares |
| Available history | -12% | -4M shares |
SBSI has 30M diluted shares, down 0.8% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $10.6M |
| Q3 2025 | $1.5M |
| Q4 2024 | $5,000 |
| Q3 2024 | — |
| Q2 2024 | $1.5M |
| Q1 2024 | — |
| Q4 2023 | $4.7M |
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.
SBSI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.8x | Net Cash |
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | -1.9x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -1.8x | Net Cash |
| Q2 2025 | -2.1x | Net Cash |
| Q1 2025 | -2.4x | Net Cash |
| Q4 2024 | -2.3x | Net Cash |
SBSI 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).
SBSI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.5 | Neutral |
| Stochastic | 77.9 | Neutral |
SBSI's weekly RSI is 62 (neutral) and its Stochastic is 78 (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.
SBSI PE vs Financial Services Sector
| Metric | SBSI | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 19% below |
| PE % | 27 | 63 | 36 pts below |
SBSI 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.
SBSI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $32.1 | 8.8% above |
| 20 week MA | $32.7 | 7% above |
| 50 week MA | $32.5 | 7.8% above |
| 100 week MA | $31.0 | 13% above |
| 200 week MA | $30.9 | 13% above |
SBSI 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.
SBSI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $37.1 | $31.3 | -15% |
| 2021 | $31.3 | $41.3 | +32% |
| 2022 | $41.3 | $35.5 | -14% |
| 2023 | $35.5 | $31.3 | -12% |
| 2024 | $31.3 | $31.8 | +1.6% |
| 2025 | $31.8 | $31.3 | -1.7% |
| 2026 YTD | $31.3 | $35.0 | +12% |
SBSI has the edge over JPM on returns for 2026, with the stronger performance.