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BHB vs JPM

BHB
Bar Harbor Bankshares
NEUTRAL
Price
$34.53
Market Cap
$578.1M
Sector
Financial Services
AI Confidence
80%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BHB
14.04
JPM
15.68
Forward P/E
BHB
9.04
JPM
13.42
P/B Ratio
BHB
1.07
JPM
2.47
P/S Ratio
BHB
3.34
JPM
5.03
EV/EBITDA
BHB
--
JPM
--

Profitability

Gross Margin
BHB
0.0%
JPM
0.0%
Operating Margin
BHB
42.2%
JPM
41.06%
Profit Margin
BHB
23.26%
JPM
33.91%
ROE
BHB
8.01%
JPM
16.13%
ROA
BHB
0.92%
JPM
1.35%

Growth

Revenue Growth
BHB
25.7%
JPM
2.5%
Earnings Growth
BHB
22.6%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
BHB
3.76%
JPM
1.91%
Payout Ratio
BHB
52.03%
JPM
28.97%

AI Verdict

BHB NEUTRAL

BHB presents a stark contrast between strong growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($42.17) and Intrinsic Value ($72.57), the bearish technical trend (10/100) and poor health score suggest underlying operational risks. Strong YoY revenue and earnings growth (>20%) provide a bullish catalyst, but the fundamental health decay necessitates a cautious approach.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY Revenue Growth (25.70%) and Earnings Growth (22.60%)
Consistent earnings beat track record (3/4 most recent quarters)
Risks
Critical fundamental health weakness indicated by Piotroski F-Score (2/9)
Strongly bearish technical trend (10/100)
Low Return on Assets (0.92%) typical of struggling regional banks
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

BHB vs JPM: Head-to-Head Comparison

This page compares Bar Harbor Bankshares (BHB) 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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