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AROW vs JPM

AROW
Arrow Financial Corporation
NEUTRAL
Price
$32.48
Market Cap
$534.1M
Sector
Financial Services
AI Confidence
78%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AROW
12.26
JPM
15.68
Forward P/E
AROW
7.5
JPM
13.42
P/B Ratio
AROW
1.24
JPM
2.47
P/S Ratio
AROW
3.37
JPM
5.03
EV/EBITDA
AROW
--
JPM
--

Profitability

Gross Margin
AROW
0.0%
JPM
0.0%
Operating Margin
AROW
40.7%
JPM
41.06%
Profit Margin
AROW
27.76%
JPM
33.91%
ROE
AROW
10.56%
JPM
16.13%
ROA
AROW
1.0%
JPM
1.35%

Growth

Revenue Growth
AROW
37.0%
JPM
2.5%
Earnings Growth
AROW
216.5%
JPM
-3.6%

Financial Health

Debt/Equity
AROW
--
JPM
--
Current Ratio
AROW
--
JPM
--
Quick Ratio
AROW
--
JPM
--

Dividends

Dividend Yield
AROW
3.69%
JPM
1.91%
Payout Ratio
AROW
43.02%
JPM
28.97%

AI Verdict

AROW NEUTRAL

AROW's Piotroski F-Score of 3/9 indicates weak financial health, signaling potential distress in operational efficiency and capital structure. The absence of an Altman Z-Score raises concern about bankruptcy risk, especially given the lack of available debt and liquidity metrics. Despite strong profitability (27.76% margin) and explosive earnings growth (216.5% YoY), the stock trades at a premium to its Graham Number ($39.57) and intrinsic value ($78.17), suggesting overvaluation relative to conservative valuation models. The technical trend is bearish, and insider activity is neutral, with no recent trades. Analyst consensus is a hold, reflecting cautious sentiment.

Strengths
Exceptional profit margin of 27.76% and high operating margin of 40.70%
Impressive earnings growth of 216.5% YoY and 213.5% Q/Q
Strong historical earnings beat rate (3 out of last 4 quarters) with average surprise of 11.81%
Risks
Piotroski F-Score of 3/9 indicates weak financial health and operational instability
No Altman Z-Score available, raising unquantified bankruptcy risk
Stock trades below intrinsic value ($78.17) but above Graham Number ($39.57), suggesting overvaluation relative to conservative benchmarks
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

AROW vs JPM: Head-to-Head Comparison

This page compares Arrow Financial Corporation (AROW) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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