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FNB vs JPM

FNB
F.N.B. Corporation
NEUTRAL
Price
$17.52
Market Cap
$6.23B
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
FNB
10.81
JPM
15.68
Forward P/E
FNB
8.96
JPM
13.42
P/B Ratio
FNB
0.92
JPM
2.47
P/S Ratio
FNB
3.63
JPM
5.03
EV/EBITDA
FNB
--
JPM
--

Profitability

Gross Margin
FNB
0.0%
JPM
0.0%
Operating Margin
FNB
42.01%
JPM
41.06%
Profit Margin
FNB
34.11%
JPM
33.91%
ROE
FNB
8.86%
JPM
16.13%
ROA
FNB
1.18%
JPM
1.35%

Growth

Revenue Growth
FNB
9.6%
JPM
2.5%
Earnings Growth
FNB
18.8%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
FNB
2.97%
JPM
1.91%
Payout Ratio
FNB
29.63%
JPM
28.97%

AI Verdict

FNB NEUTRAL

FNB presents a stark contrast between deep value and deteriorating financial health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($26.4) and Intrinsic Value ($47.79), and trades below book value (P/B 0.92), the deterministic health markers are concerning. Strong YoY earnings growth (18.8%) and a consistent track record of earnings beats provide a bullish fundamental backdrop, but these are offset by bearish insider sentiment and a complete lack of technical momentum. The overall outlook is neutral as the value proposition is currently fighting against poor operational health signals.

Strengths
Deep value pricing with P/B ratio of 0.92
Strong earnings growth (YoY +18.8%) and revenue growth (YoY +9.6%)
Consistent history of beating earnings estimates over 25 quarters
Risks
Very weak Piotroski F-Score (2/9) indicating poor financial health trends
Bearish insider activity with recent officer sales
Zero technical momentum (Technical Trend: 0/100)
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

FNB vs JPM: Head-to-Head Comparison

This page compares F.N.B. Corporation (FNB) 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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