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ISTR vs JPM

ISTR
Investar Holding Corporation
NEUTRAL
Price
$28.54
Market Cap
$392.4M
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
ISTR
13.4
JPM
15.68
Forward P/E
ISTR
8.27
JPM
13.42
P/B Ratio
ISTR
1.03
JPM
2.47
P/S Ratio
ISTR
4.2
JPM
5.03
EV/EBITDA
ISTR
--
JPM
--

Profitability

Gross Margin
ISTR
0.0%
JPM
0.0%
Operating Margin
ISTR
30.2%
JPM
41.06%
Profit Margin
ISTR
24.54%
JPM
33.91%
ROE
ISTR
8.45%
JPM
16.13%
ROA
ISTR
0.82%
JPM
1.35%

Growth

Revenue Growth
ISTR
14.8%
JPM
2.5%
Earnings Growth
ISTR
-15.4%
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
ISTR
1.54%
JPM
1.91%
Payout Ratio
ISTR
20.42%
JPM
28.97%

AI Verdict

ISTR NEUTRAL

Investar Holding Corporation presents a conflicting profile: while valuation metrics are defensive, the deterministic health indicators are weak. The Piotroski F-Score of 3/9 signals significant fundamental weakness, and the stock is trading well above its growth-based intrinsic value of $14.91. Despite a 'Strong Buy' analyst consensus and consistent earnings beats, the divergence between rising revenue (+14.8%) and falling earnings (-15.4%) suggests margin compression or rising operational costs. The bearish technical trend and recent CEO selling further temper the bullish analyst outlook.

Strengths
Attractive Price-to-Book ratio of 1.03
Strong track record of earnings surprises (3/4 beats in last 4 quarters)
Positive top-line revenue growth of 14.8% YoY
Risks
Weak financial health indicated by a Piotroski F-Score of 3/9
Negative YoY earnings growth of -15.4%
Bearish insider sentiment following CEO share liquidation
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

ISTR vs JPM: Head-to-Head Comparison

This page compares Investar Holding Corporation (ISTR) 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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