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FLG vs JPM

FLG
Flagstar Bank, National Association
NEUTRAL
Price
$14.03
Market Cap
$5.84B
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
FLG
--
JPM
15.68
Forward P/E
FLG
8.85
JPM
13.42
P/B Ratio
FLG
0.76
JPM
2.47
P/S Ratio
FLG
2.97
JPM
5.03
EV/EBITDA
FLG
--
JPM
--

Profitability

Gross Margin
FLG
0.0%
JPM
0.0%
Operating Margin
FLG
17.47%
JPM
41.06%
Profit Margin
FLG
-2.85%
JPM
33.91%
ROE
FLG
-0.69%
JPM
16.13%
ROA
FLG
-0.06%
JPM
1.35%

Growth

Revenue Growth
FLG
21.2%
JPM
2.5%
Earnings Growth
FLG
--
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
FLG
0.29%
JPM
1.91%
Payout Ratio
FLG
20.99%
JPM
28.97%

AI Verdict

FLG NEUTRAL

The company exhibits severe financial fragility as evidenced by a critical Piotroski F-Score of 1/9, indicating poor operational health and financial deterioration. While the stock trades at a discount to book value (P/B 0.76) and shows a promising return to profitability in early 2026, the technical trend remains overwhelmingly bearish (10/100). The disconnect between the analyst 'Buy' consensus and the deterministic health scores suggests a speculative turnaround play rather than a stable investment. Overall, the valuation is attractive, but the underlying financial health is currently unacceptable.

Strengths
Trading below book value (P/B 0.76)
Strong YoY revenue growth of 21.20%
Recent return to positive EPS in 2026 quarters
Risks
Critical Piotroski F-Score (1/9) indicating systemic financial weakness
Negative profit margins (-2.85%) and negative ROE (-0.69%)
Severe bearish technical trend (10/100)
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

FLG vs JPM: Head-to-Head Comparison

This page compares Flagstar Bank, National Association (FLG) 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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