JPM
JPMorgan Chase & Co.
JPM has a slight edge over UVSP overall, supported by stronger fundamentals and stronger modeled upside.
UVSP
Univest Financial Corporation
UVSP 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.
UVSP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UVSP'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 UVSP.
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 UVSP in the historical PE scenario, which offers more potential upside but is not a forecast.
UVSP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $27.35 | -33% |
| Forward | 10x | $40.74 | — |
| Fair | 11x | $35.68 | -12% |
| Expensive | 12x | $40.81 | +0.2% |
| Current | 12x | $40.74 | — |
Historical ranges are pointers, not guarantees.
UVSP's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its fair range.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
UVSP Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
UVSP 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'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.
UVSP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.90 | +17% |
| Q3 2026 | $3.34 | +12% |
| Q2 2026 | $3.45 | +26% |
| Q1 2026 | $3.32 | +25% |
| Q4 2025 | $3.13 | +21% |
| Q3 2025 | $2.99 | +20% |
| Q2 2025 | $2.73 | +12% |
| Q1 2025 | $2.66 | +11% |
| Q4 2024 | $2.58 | +7.1% |
UVSP has the edge over JPM on earnings, with stronger typical year-over-year growth.
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 UVSP on profitability, with a higher operating margin.
UVSP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $90M | +8.1% |
| Q2 2026 | $84.4M | +4.1% |
| Q1 2026 | $87.5M | +10% |
| Q4 2025 | $84.6M | +10% |
| Q3 2025 | $83.2M | +13% |
| Q2 2025 | $81M | +13% |
| Q1 2025 | $79.2M | +2.8% |
| Q4 2024 | $76.8M | +7.6% |
UVSP has the edge over JPM on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -8.5 points |
| Q2 2026 | 34% | +3 points |
| Q1 2026 | 38% | +3.5 points |
| Q4 2025 | 34% | +3 points |
| Q3 2025 | 39% | +6.6 points |
| Q2 2025 | 31% | -0.5 points |
| Q1 2025 | 35% | +1.6 points |
| Q4 2024 | 31% | +2.4 points |
UVSP's operating margin was 30% last quarter, down 8.5 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.
UVSP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $45.2M | +44% |
| Q2 2026 | $22.9M | +4.5% |
| Q1 2026 | $21.6M | +58% |
| Q4 2025 | $30M | +9.5% |
| Q3 2025 | $31.4M | -18% |
| Q2 2025 | $21.9M | +$26.1M |
| Q1 2025 | $13.7M | +30% |
| Q4 2024 | $27.4M | +3.9% |
UVSP 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 2.7B diluted shares, down 3.1% from a year ago, with $24.5B in buybacks over the past year.
| 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.
UVSP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -215K shares |
| 1 year | -4.2% | -1.2M shares |
| 3 years | -6.1% | -1.8M shares |
| 5 years | -6.1% | -1.8M shares |
| Available history | -5.3% | -1.6M shares |
UVSP has the edge over JPM on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $12.9M |
| Q2 2026 | $16.6M |
| Q1 2026 | $11.9M |
| Q4 2025 | $15.4M |
| Q3 2025 | $7.8M |
| Q2 2025 | $4.9M |
| Q1 2025 | $6.5M |
| Q4 2024 | $4.2M |
UVSP spent $57M buying back its own shares over the past year, up 143% from 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 UVSP on leverage, with a lower net debt burden relative to earnings.
UVSP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.3x | Healthy |
| Q2 2026 | 1.3x | Healthy |
| Q1 2026 | 1.9x | Healthy |
| Q4 2025 | 2.2x | Moderate |
| Q3 2025 | 2.4x | Moderate |
| Q2 2025 | 2.7x | Moderate |
| Q1 2025 | 2.5x | Moderate |
| Q4 2024 | 3.1x | Elevated |
UVSP's net debt is about 1.3 years of its operating earnings (EBITDA), down from 2.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like UVSP.
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).
UVSP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.9 | Neutral |
| Stochastic | 24.4 | Neutral |
UVSP's weekly RSI is 50 (neutral) and its Stochastic is 24 (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.
UVSP PE vs Financial Services Sector
| Metric | UVSP | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 6.3% below |
| PE % | 82 | 63 | 19 pts above |
UVSP 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 UVSP on trend strength, trading above more of its moving averages.
UVSP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $41.1 | 0.9% below |
| 20 week MA | $42.3 | 3.7% below |
| 50 week MA | $38.6 | 5.6% above |
| 100 week MA | $34.2 | 19% above |
| 200 week MA | $28.3 | 44% above |
UVSP has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 44% 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.
UVSP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.7 | $20.4 | -24% |
| 2021 | $20.4 | $29.7 | +46% |
| 2022 | $29.7 | $26.3 | -12% |
| 2023 | $26.3 | $22.0 | -16% |
| 2024 | $22.0 | $29.5 | +34% |
| 2025 | $29.5 | $33.4 | +13% |
| 2026 YTD | $33.4 | $40.7 | +22% |
UVSP has the edge over JPM on returns for 2026, with the stronger performance.