JPM
JPMorgan Chase & Co.
JPM has the edge over UBCP overall, supported by stronger fundamentals and stronger modeled upside.
UBCP
United Bancorp, Inc.
UBCP trails on the overall score without a compensating advantage in the available component scores.
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.
UBCP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
UBCP's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UBCP.
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.
UBCP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $10.22 | -29% |
| Fair | 9.9x | $12.77 | -12% |
| Expensive | 11x | $14.69 | +1.4% |
| Current | 11x | $14.49 | — |
Historical ranges are pointers, not guarantees.
UBCP 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.
UBCP Forward outlook
There aren't enough analyst estimates for UBCP 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 has the edge over UBCP on earnings, with more consistent year-over-year improvement.
UBCP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.29 | -0.8% |
| Q2 2026 | $1.38 | +8.7% |
| Q1 2026 | $1.35 | +8.9% |
| Q4 2025 | $1.34 | +5.5% |
| Q3 2025 | $1.30 | -5.8% |
| Q2 2025 | $1.27 | -15% |
| Q1 2025 | $1.24 | -22% |
| Q4 2024 | $1.27 | -19% |
UBCP earned $1.29 per share over the past year, about the same as 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 UBCP on profitability, with a higher operating margin.
UBCP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7M | +4% |
| Q2 2026 | $7M | +6.2% |
| Q1 2026 | $6.5M | +4.2% |
| Q4 2025 | $8.9M | +18% |
| Q3 2025 | $6.7M | +9.6% |
| Q2 2025 | $6.6M | +6.3% |
| Q1 2025 | $6.2M | +2.2% |
| Q4 2024 | $7.5M | +0.1% |
UBCP's revenue has grown year over year for eight quarters in a row: $7M last quarter, up 4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | -13 points |
| Q2 2026 | 29% | +0.1 points |
| Q1 2026 | 27% | -2.7 points |
| Q4 2025 | 22% | -1.4 points |
| Q3 2025 | 28% | -0.2 points |
| Q2 2025 | 29% | +3.4 points |
| Q1 2025 | 30% | -5.5 points |
| Q4 2024 | 24% | -11 points |
UBCP's operating margin was 15% last quarter, down 13 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 has the edge over UBCP on cash flow, with more consistent year-over-year improvement.
UBCP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.5M | +$3.9M |
| Q2 2026 | -$140K | -110% |
| Q1 2026 | -$1.8M | -$1.2M |
| Q4 2025 | -$1.8M | -214% |
| Q3 2025 | -$367K | +$1.2M |
| Q2 2025 | $1.5M | +$3M |
| Q1 2025 | -$594K | -366% |
| Q4 2024 | $1.6M | -38% |
UBCP's free cash flow was −$257,000 over the past year, against $2M the year before. Free cash flow isn't a meaningful measure for financial services companies like UBCP.
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 UBCP 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.
UBCP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -26.6K shares |
| 1 year | -0.7% | -39.5K shares |
| 3 years | -0.8% | -42.2K shares |
| 5 years | -0.6% | -31.7K shares |
| Available history | -1.4% | -79.2K shares |
UBCP has 5M diluted shares, down 0.7% from a year ago, with $1M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $340,000 |
| Q2 2026 | $342,000 |
| Q1 2026 | $374,000 |
| Q4 2025 | $188,000 |
| Q3 2025 | — |
| Q2 2025 | $80,000 |
| Q1 2025 | $49,000 |
| Q4 2024 | — |
UBCP spent $1M buying back its own shares over the past year, about 10 times what it spent 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 UBCP on leverage, with a lower net debt burden relative to earnings.
UBCP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.3x | High |
| Q2 2026 | 7.7x | High |
| Q1 2026 | 7.9x | High |
| Q4 2025 | 5.9x | High |
| Q3 2025 | 6.2x | High |
| Q2 2025 | 5.7x | High |
| Q1 2025 | 7.7x | High |
| Q4 2024 | 9.5x | High |
UBCP's net debt is about 8.3 years of its operating earnings (EBITDA), up from 6.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like UBCP.
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).
UBCP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.5 | Neutral |
| Stochastic | 33.6 | Neutral |
UBCP's weekly RSI is 46 (neutral) and its Stochastic is 34 (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.
UBCP PE vs Financial Services Sector
| Metric | UBCP | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 79 | 63 | 16 pts above |
UBCP 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 UBCP on trend strength, trading above more of its moving averages.
UBCP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $14.3 | 1.5% above |
| 20 week MA | $15.2 | 4.7% below |
| 50 week MA | $15.2 | 4.4% below |
| 100 week MA | $14.3 | 1.3% above |
| 200 week MA | $13.4 | 8.2% above |
UBCP's trend is mixed: it's above three of its five weekly moving averages, and 8.2% 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 UBCP on returns for 2026, with the stronger performance.
UBCP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.7 | $13.3 | -9.4% |
| 2021 | $13.3 | $16.2 | +22% |
| 2022 | $16.2 | $15.5 | -4.6% |
| 2023 | $15.5 | $12.8 | -17% |
| 2024 | $12.8 | $13.0 | +1.3% |
| 2025 | $13.0 | $14.8 | +14% |
| 2026 YTD | $14.8 | $14.5 | -2% |
UBCP has finished lower in three of the last six years. It's down 2% so far in 2026.