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FSBC vs JPM

FSBC
Five Star Bancorp
BULLISH
Price
$40.75
Market Cap
$871.1M
Sector
Financial Services
AI Confidence
75%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
FSBC
13.81
JPM
14.69
Forward P/E
FSBC
10.42
JPM
12.62
P/B Ratio
FSBC
1.95
JPM
2.32
P/S Ratio
FSBC
5.86
JPM
4.72
EV/EBITDA
FSBC
--
JPM
--

Profitability

Gross Margin
FSBC
0.0%
JPM
0.0%
Operating Margin
FSBC
57.87%
JPM
41.06%
Profit Margin
FSBC
41.42%
JPM
33.91%
ROE
FSBC
14.62%
JPM
16.13%
ROA
FSBC
1.4%
JPM
1.35%

Growth

Revenue Growth
FSBC
20.1%
JPM
2.5%
Earnings Growth
FSBC
32.6%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
FSBC
2.45%
JPM
2.11%
Payout Ratio
FSBC
27.59%
JPM
28.97%

AI Verdict

FSBC BULLISH

FSBC exhibits a stable financial foundation with a Piotroski F-Score of 4/9 and strong fundamental growth, though it lacks a definitive Altman Z-Score due to its banking nature. The company demonstrates exceptional operational execution, evidenced by a consistent track record of earnings beats over 20 quarters and robust YoY earnings growth of 32.60%. While the current price of $40.75 is slightly above the Graham Number ($37.21), it remains significantly below the growth-based intrinsic value of $87.03. However, the bullish fundamental outlook is tempered by bearish insider selling and a weak technical trend.

Strengths
Exceptional earnings consistency with 3/4 recent beats and a long-term track record of surprises
Strong growth profile with 20.10% YoY revenue growth and 32.60% earnings growth
Attractive valuation with a Forward P/E of 10.42, well below sector averages
Risks
Bearish insider sentiment with multiple sales from the CEO and COO
Weak technical trend (10/100) suggesting short-term price pressure or consolidation
Mediocre Piotroski F-Score (4/9) indicating only stable, not strong, financial health
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

FSBC vs JPM: Head-to-Head Comparison

This page compares Five Star Bancorp (FSBC) 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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