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CFR vs JPM

CFR
Cullen/Frost Bankers, Inc.
NEUTRAL
Price
$141.40
Market Cap
$8.9B
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CFR
14.24
JPM
15.68
Forward P/E
CFR
13.29
JPM
13.42
P/B Ratio
CFR
2.02
JPM
2.47
P/S Ratio
CFR
4.06
JPM
5.03
EV/EBITDA
CFR
--
JPM
--

Profitability

Gross Margin
CFR
0.0%
JPM
0.0%
Operating Margin
CFR
34.52%
JPM
41.06%
Profit Margin
CFR
29.6%
JPM
33.91%
ROE
CFR
15.31%
JPM
16.13%
ROA
CFR
1.23%
JPM
1.35%

Growth

Revenue Growth
CFR
9.5%
JPM
2.5%
Earnings Growth
CFR
8.5%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
CFR
2.83%
JPM
1.91%
Payout Ratio
CFR
39.82%
JPM
28.97%

AI Verdict

CFR NEUTRAL

CFR presents a dichotomy between exceptional earnings consistency and deteriorating financial health, as evidenced by a weak Piotroski F-Score of 3/9. While the stock trades between its Graham Number ($123.50) and Intrinsic Value ($191.38), the high PEG ratio of 2.38 and a bearish technical trend (10/100) suggest limited immediate upside. Strong ROE (15.31%) and a sustainable dividend payout (39.82%) provide a fundamental floor, but insider selling and poor deterministic health scores warrant a cautious approach. The company remains a stable earner, but current valuation and health metrics indicate a period of stagnation.

Strengths
Exceptional earnings track record with consistent beats over 25 quarters
Strong Return on Equity (ROE) of 15.31%
Sustainable dividend profile with a low payout ratio of 39.82%
Risks
Weak financial health indicated by a Piotroski F-Score of 3/9
Bearish technical trend (10/100) suggesting strong downward momentum
High PEG ratio (2.38) indicating the stock may be overvalued relative to its growth rate
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

CFR vs JPM: Head-to-Head Comparison

This page compares Cullen/Frost Bankers, Inc. (CFR) 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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