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FCF vs JPM

FCF
First Commonwealth Financial Corporation
NEUTRAL
Price
$18.62
Market Cap
$1.9B
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
FCF
12.67
JPM
15.68
Forward P/E
FCF
9.48
JPM
13.42
P/B Ratio
FCF
1.23
JPM
2.47
P/S Ratio
FCF
3.92
JPM
5.03
EV/EBITDA
FCF
--
JPM
--

Profitability

Gross Margin
FCF
0.0%
JPM
0.0%
Operating Margin
FCF
46.46%
JPM
41.06%
Profit Margin
FCF
31.37%
JPM
33.91%
ROE
FCF
10.29%
JPM
16.13%
ROA
FCF
1.27%
JPM
1.35%

Growth

Revenue Growth
FCF
14.8%
JPM
2.5%
Earnings Growth
FCF
22.8%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
FCF
2.9%
JPM
1.91%
Payout Ratio
FCF
36.39%
JPM
28.97%

AI Verdict

FCF NEUTRAL

FCF presents a classic value disconnect: the stock is trading significantly below its Graham Number ($22.40) and Intrinsic Value ($43.37), yet it suffers from a very bearish technical trend (10/100) and negative insider sentiment. The Piotroski F-Score of 4/9 indicates stable but mediocre financial health, which is typical for regional banks in the current interest rate environment. While strong YoY earnings growth of 22.8% and a sustainable payout ratio are bullish, the consistent insider selling by the CFO and directors suggests internal caution. Consequently, the stock is a value play with significant momentum headwinds.

Strengths
Trading at a discount to Graham Number ($22.40) and Intrinsic Value ($43.37)
Strong YoY earnings growth of 22.80% and revenue growth of 14.80%
Sustainable dividend payout ratio of 36.39%
Risks
Strongly bearish insider activity with 5 sell transactions and 0 buys
Very weak technical trend (10/100) indicating strong downward momentum
Mediocre Piotroski F-Score (4/9) suggesting limited improvement in financial strength
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

FCF vs JPM: Head-to-Head Comparison

This page compares First Commonwealth Financial Corporation (FCF) 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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