JPM
JPMorgan Chase & Co.
JPM has lower modeled downside risk, despite its lower overall score.
UCB
United Community Banks, Inc.
UCB has a slight edge over JPM overall, supported by stronger valuation.
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.
UCB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UCB'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 UCB.
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.
UCB PE Valuation
UCB has no meaningful PE right now: it lost money over the past year.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
UCB Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UCB, with profitability improving.
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.
UCB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.37 | +10% |
| Q2 2026 | $3.05 | +39% |
| Q1 2026 | $2.73 | +29% |
| Q4 2025 | $2.62 | +28% |
| Q3 2025 | $2.52 | +65% |
| Q2 2025 | $2.20 | +43% |
| Q1 2025 | $2.11 | +38% |
| Q4 2024 | $2.04 | +32% |
| Q3 2024 | $1.53 | -30% |
UCB earned $3.05 per share over the past year, up 39% 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's operating margin was 40% last quarter, about level with the same quarter a year ago.
UCB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $279.3M | +7.3% |
| Q1 2026 | $276.5M | +12% |
| Q4 2025 | $278.4M | +11% |
| Q3 2025 | $276.8M | +27% |
| Q2 2025 | $260.2M | +6.1% |
| Q1 2025 | $247.7M | +3.7% |
| Q4 2024 | $250.9M | +39% |
| Q3 2024 | $217.3M | -7.4% |
UCB has the edge over JPM on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 53% | +15 points |
| Q1 2026 | 39% | +2.4 points |
| Q4 2025 | 40% | +2 points |
| Q3 2025 | 43% | +15 points |
| Q2 2025 | 39% | +3.6 points |
| Q1 2025 | 37% | +3 points |
| Q4 2024 | 38% | +32 points |
| Q3 2024 | 28% | +2 points |
UCB 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.
UCB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $121.4M | +43% |
| Q1 2026 | $62.4M | -34% |
| Q4 2025 | $59.7M | -58% |
| Q3 2025 | $117.7M | +$119.9M |
| Q2 2025 | $84.7M | -2.9% |
| Q1 2025 | $94.3M | +26% |
| Q4 2024 | $142.6M | +1588% |
| Q3 2024 | -$2.2M | -103% |
UCB 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 UCB 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.
UCB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -281K shares |
| 1 year | -0.8% | -990K shares |
| 3 years | +3.9% | +4.6M shares |
| 5 years | +38% | +33M shares |
| Available history | +51% | +40.7M shares |
UCB has 120M diluted shares, down 0.8% from a year ago, with $67M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | $37.1M |
| Q4 2025 | $30.3M |
| Q3 2025 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q4 2021 | — |
| Q3 2021 | $10M |
UCB spent $67M buying back its own shares over 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'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.
UCB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 0.0x | Very low |
| Q3 2025 | -0.1x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | 0.2x | Very low |
| Q4 2024 | 0.4x | Very low |
| Q3 2024 | 0.4x | Very low |
UCB 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).
UCB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.7 | Neutral |
| Stochastic | 78.3 | Neutral |
UCB'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 has the edge over UCB on valuation relative to its sector.
UCB PE vs Financial Services Sector
| Metric | UCB | Sector median | Relative |
|---|---|---|---|
| PE | 31x | 13x | 137% above |
| PE % | 100 | 63 | 37 pts above |
UCB has no meaningful PE right now: it lost money over the past year.
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.
UCB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.5 | 5.1% above |
| 20 week MA | $35.5 | 4.9% above |
| 50 week MA | $34.0 | 9.6% above |
| 100 week MA | $32.1 | 16% above |
| 200 week MA | $29.8 | 25% above |
UCB 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.
UCB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.9 | $28.7 | -7.1% |
| 2021 | $28.7 | $34.4 | +20% |
| 2022 | $34.4 | $33.5 | -2.5% |
| 2023 | $33.5 | $29.3 | -13% |
| 2024 | $29.3 | $32.4 | +11% |
| 2025 | $32.4 | $32.3 | -0.2% |
| 2026 YTD | $32.3 | $37.3 | +15% |
UCB has the edge over JPM on returns for 2026, with the stronger performance.