JPM
JPMorgan Chase & Co.
JPM has a slight edge over SFBC overall, supported by stronger modeled upside and lower modeled downside.
SFBC
Sound Financial Bancorp, Inc.
SFBC offers stronger valuation, 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.
SFBC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
SFBC'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 SFBC.
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 SFBC in the historical PE scenario, which offers more potential upside but is not a forecast.
SFBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $35.44 | -22% |
| Fair | 13x | $45.21 | -0.6% |
| Current | 14x | $45.50 | — |
| Expensive | 19x | $63.24 | +39% |
Historical ranges are pointers, not guarantees.
SFBC's PE is in its fair range at 14x.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
SFBC Forward outlook
There aren't enough analyst estimates for SFBC 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.
SFBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $3.36 | +27% |
| Q2 2026 | $3.12 | +28% |
| Q1 2026 | $2.93 | +50% |
| Q4 2025 | $2.77 | +54% |
| Q3 2025 | $2.64 | +73% |
| Q2 2025 | $2.43 | +59% |
| Q1 2025 | $1.95 | -16% |
| Q4 2024 | $1.80 | -37% |
SFBC earned $3.36 per share over the past year, up 27% 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 SFBC on profitability, with a higher operating margin.
SFBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $10.6M | +8.2% |
| Q2 2026 | $11M | +6.2% |
| Q1 2026 | $10M | +8.6% |
| Q4 2025 | $9.5M | +1.6% |
| Q3 2025 | $9.8M | +7.8% |
| Q2 2025 | $10.4M | +20% |
| Q1 2025 | $9.2M | +7.2% |
| Q4 2024 | $9.4M | +8.7% |
SFBC's revenue has grown year over year for eight quarters in a row: $11M last quarter, up 8.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +6.1 points |
| Q2 2026 | 28% | +3.8 points |
| Q1 2026 | 20% | +3.8 points |
| Q4 2025 | 27% | +2.5 points |
| Q3 2025 | 21% | +5.7 points |
| Q2 2025 | 24% | +13 points |
| Q1 2025 | 16% | +5 points |
| Q4 2024 | 25% | +9 points |
SFBC's operating margin was 27% last quarter, up 6.1 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.
SFBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.4M | +44% |
| Q2 2026 | $166K | +$684K |
| Q1 2026 | $1.5M | -19% |
| Q4 2025 | $1.9M | +1424% |
| Q3 2025 | $3.8M | +16% |
| Q2 2025 | -$518K | +$1.9M |
| Q1 2025 | $1.8M | -4.3% |
| Q4 2024 | $127K | -93% |
SFBC 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 SFBC 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.
SFBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +5.9K shares |
| 1 year | +0.2% | +4.9K shares |
| 3 years | +0.3% | +8.7K shares |
| 5 years | -2% | -52.9K shares |
| Available history | -0.1% | -2.8K shares |
SFBC has 3M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $1,000 |
| Q2 2024 | $59,000 |
| Q1 2024 | $5,000 |
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.
SFBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -9.7x | Net Cash |
| Q2 2026 | -11.0x | Net Cash |
| Q1 2026 | -12.5x | Net Cash |
| Q4 2025 | -13.2x | Net Cash |
| Q3 2025 | -7.2x | Net Cash |
| Q2 2025 | -8.0x | Net Cash |
| Q1 2025 | -14.0x | Net Cash |
| Q4 2024 | -1.1x | Net Cash |
SFBC 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).
SFBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.5 | Neutral |
| Stochastic | 40.7 | Neutral |
SFBC's weekly RSI is 51 (neutral) and its Stochastic is 41 (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.
SFBC PE vs Financial Services Sector
| Metric | SFBC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 4% above |
| PE % | 51 | 63 | 12 pts below |
SFBC 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 has the edge over SFBC on trend strength, trading above more of its moving averages.
SFBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $44.4 | 2.6% above |
| 20 week MA | $45.7 | 0.5% below |
| 50 week MA | $44.2 | 3% above |
| 100 week MA | $46.5 | 2.1% below |
| 200 week MA | $43.9 | 3.6% above |
SFBC's trend is mixed: it's above three of its five weekly moving averages, and 3.6% 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 the edge over SFBC on returns for 2026, with the stronger performance.
SFBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.0 | $31.1 | -14% |
| 2021 | $31.1 | $44.8 | +44% |
| 2022 | $44.8 | $39.5 | -12% |
| 2023 | $39.5 | $39.0 | -1.3% |
| 2024 | $39.0 | $52.6 | +35% |
| 2025 | $52.6 | $43.6 | -17% |
| 2026 YTD | $43.6 | $45.5 | +4.3% |
SFBC has finished lower in four of the last six years. It's up 4.3% so far in 2026.