JPM
JPMorgan Chase & Co.
JPM's outlook is improving, though it still trails on the overall score.
TOWN
TowneBank
TOWN 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.
TOWN Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
TOWN's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like TOWN.
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.
TOWN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.8x | $34.90 | -4.6% |
| Current | 10x | $36.59 | — |
| Forward | 11x | $36.59 | — |
| Fair | 12x | $44.23 | +21% |
| Expensive | 16x | $57.49 | +57% |
Historical ranges are pointers, not guarantees.
TOWN 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 TOWN on the outlook, with more favorable valuation and profitability expectations.
TOWN Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for TOWN, with profitability holding steady.
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 TOWN on earnings, with more consistent year-over-year improvement.
TOWN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.32 | -6.6% |
| Q2 2026 | $3.56 | +54% |
| Q1 2026 | $1.99 | -16% |
| Q4 2025 | $2.21 | +2.8% |
| Q3 2025 | $2.25 | +13% |
| Q2 2025 | $2.31 | +14% |
| Q1 2025 | $2.36 | +17% |
| Q4 2024 | $2.15 | +3.9% |
| Q3 2024 | $1.99 | -14% |
TOWN earned $3.56 per share over the past year, up 54% 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 TOWN 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's operating margin was 40% last quarter, about level with the same quarter a year ago.
TOWN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $497.4M | +79% |
| Q1 2026 | $260.5M | -0.2% |
| Q4 2025 | $255.1M | +0.5% |
| Q3 2025 | $287.1M | +11% |
| Q2 2025 | $277.9M | +6.5% |
| Q1 2025 | $261.2M | +4.1% |
| Q4 2024 | $253.9M | +9% |
| Q3 2024 | $258.9M | +6.7% |
TOWN's revenue is growing: $497M last quarter, up 79% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 51% | +33 points |
| Q1 2026 | 19% | -3.4 points |
| Q4 2025 | 21% | +2 points |
| Q3 2025 | 16% | -2.6 points |
| Q2 2025 | 18% | -1.5 points |
| Q1 2025 | 23% | +5.7 points |
| Q4 2024 | 19% | +5.5 points |
| Q3 2024 | 19% | -3.5 points |
TOWN 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.
TOWN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$38.6M | +$3.9M |
| Q1 2026 | $26.9M | -76% |
| Q4 2025 | $102.3M | +15% |
| Q3 2025 | $41.3M | +$97.6M |
| Q2 2025 | -$42.5M | -312% |
| Q1 2025 | $110.6M | +293% |
| Q4 2024 | $89.2M | +145% |
| Q3 2024 | -$56.3M | -162% |
TOWN 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 TOWN 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.
TOWN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.9% | +1.7M shares |
| 1 year | +22% | +16.9M shares |
| 3 years | +24% | +17.8M shares |
| 5 years | +27% | +19.9M shares |
| Available history | +28% | +20.2M shares |
TOWN has 92M diluted shares, up 22% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
TOWN hasn't bought back shares in the past year.
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 TOWN on leverage, with a lower net debt burden relative to earnings.
TOWN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.7x | Very low |
| Q1 2026 | 1.7x | Healthy |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | -3.7x | Net Cash |
| Q2 2025 | -3.4x | Net Cash |
| Q1 2025 | -4.3x | Net Cash |
| Q4 2024 | -4.6x | Net Cash |
| Q3 2024 | -4.8x | Net Cash |
TOWN's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like TOWN.
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).
TOWN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.8 | Neutral |
| Stochastic | 49.9 | Neutral |
TOWN's weekly RSI is 53 (neutral) and its Stochastic is 50 (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.
TOWN PE vs Financial Services Sector
| Metric | TOWN | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 21% below |
| PE % | 25 | 63 | 38 pts below |
TOWN 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.
TOWN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $36.1 | 1.4% above |
| 20 week MA | $36.7 | 0.3% below |
| 50 week MA | $35.6 | 2.9% above |
| 100 week MA | $35.0 | 4.5% above |
| 200 week MA | $31.5 | 16% above |
TOWN's trend is mixed: it's above four of its five weekly moving averages, and 16% 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.
TOWN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.9 | $23.5 | -16% |
| 2021 | $23.5 | $31.6 | +35% |
| 2022 | $31.6 | $30.9 | -2% |
| 2023 | $30.9 | $29.8 | -3.8% |
| 2024 | $29.8 | $34.4 | +16% |
| 2025 | $34.4 | $33.7 | -2.1% |
| 2026 YTD | $33.7 | $36.6 | +8.6% |
TOWN has the edge over JPM on returns for 2026, with the stronger performance.