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INBK vs JPM

INBK
First Internet Bancorp
BEARISH
Price
$23.14
Market Cap
$201.7M
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
INBK
--
JPM
14.69
Forward P/E
INBK
4.88
JPM
12.62
P/B Ratio
INBK
0.56
JPM
2.32
P/S Ratio
INBK
4.57
JPM
4.72
EV/EBITDA
INBK
--
JPM
--

Profitability

Gross Margin
INBK
0.0%
JPM
0.0%
Operating Margin
INBK
23.78%
JPM
41.06%
Profit Margin
INBK
-79.64%
JPM
33.91%
ROE
INBK
-9.46%
JPM
16.13%
ROA
INBK
-0.62%
JPM
1.35%

Growth

Revenue Growth
INBK
-8.0%
JPM
2.5%
Earnings Growth
INBK
-28.0%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
INBK
1.04%
JPM
2.11%
Payout Ratio
INBK
13.64%
JPM
28.97%

AI Verdict

INBK BEARISH

The deterministic health profile is severely compromised, headlined by a Piotroski F-Score of 2/9, indicating weak financial health and deteriorating fundamentals. While the stock trades at a deep discount to book value (P/B 0.56) and has an attractive forward P/E of 4.88, these valuation metrics are likely 'value traps' given the negative ROE (-9.46%) and a staggering profit margin of -79.64%. Despite a recent short-term price rally and bullish analyst recommendations, the underlying data shows declining YoY revenue and earnings growth coupled with significant earnings misses.

Strengths
Deeply undervalued relative to book value (P/B 0.56)
Very low forward P/E ratio of 4.88
Positive short-term price momentum (1M +18.1%)
Risks
Critical financial health failure (Piotroski F-Score 2/9)
Severe lack of profitability with a -79.64% profit margin
Negative Return on Equity (ROE) of -9.46%
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

INBK vs JPM: Head-to-Head Comparison

This page compares First Internet Bancorp (INBK) 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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