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BANC vs JPM

BANC
Banc of California, Inc.
NEUTRAL
Price
$19.92
Market Cap
$3.1B
Sector
Financial Services
AI Confidence
72%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
BANC
17.79
JPM
14.69
Forward P/E
BANC
9.78
JPM
12.62
P/B Ratio
BANC
1.04
JPM
2.32
P/S Ratio
BANC
3.04
JPM
4.72
EV/EBITDA
BANC
--
JPM
--

Profitability

Gross Margin
BANC
0.0%
JPM
0.0%
Operating Margin
BANC
40.53%
JPM
41.06%
Profit Margin
BANC
20.44%
JPM
33.91%
ROE
BANC
5.99%
JPM
16.13%
ROA
BANC
0.62%
JPM
1.35%

Growth

Revenue Growth
BANC
11.5%
JPM
2.5%
Earnings Growth
BANC
56.8%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
BANC
1.93%
JPM
2.11%
Payout Ratio
BANC
34.19%
JPM
28.97%

AI Verdict

BANC NEUTRAL

BANC exhibits mixed financial health with a weak Piotroski F-Score of 4/9, indicating borderline stability, and a missing Altman Z-Score prevents a full distress risk assessment. While earnings growth is strong (56.8% YoY) and profitability margins are high, low ROE (5.99%) and ROA (0.62%) suggest inefficient asset utilization. The stock trades below the analyst target of $23.14 but above the conservative Graham Number of $21.94, implying modest upside with moderate risk. Insider selling and a bearish technical trend temper otherwise positive growth and valuation signals.

Strengths
Strong year-over-year earnings growth of 56.8%
Consistently beats earnings estimates, with 3 out of last 4 quarters above expectations
High operating margin of 40.53% indicating strong cost control
Risks
Low Piotroski F-Score of 4/9 signals weak financial health
Missing Altman Z-Score creates uncertainty around bankruptcy risk
Insider selling activity: $0.67M in net sales over last 6 months
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

BANC vs JPM: Head-to-Head Comparison

This page compares Banc of California, Inc. (BANC) 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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