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JPM vs MBWM

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
MBWM
Mercantile Bank Corporation
NEUTRAL
Price
$53.26
Market Cap
$920.0M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
JPM
15.68
MBWM
9.83
Forward P/E
JPM
13.42
MBWM
8.93
P/B Ratio
JPM
2.47
MBWM
1.26
P/S Ratio
JPM
5.03
MBWM
3.86
EV/EBITDA
JPM
--
MBWM
--

Profitability

Gross Margin
JPM
0.0%
MBWM
0.0%
Operating Margin
JPM
41.06%
MBWM
48.09%
Profit Margin
JPM
33.91%
MBWM
37.22%
ROE
JPM
16.13%
MBWM
13.56%
ROA
JPM
1.35%
MBWM
1.38%

Growth

Revenue Growth
JPM
2.5%
MBWM
9.7%
Earnings Growth
JPM
-3.6%
MBWM
16.1%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
MBWM
2.9%
Payout Ratio
JPM
28.97%
MBWM
27.42%

AI Verdict

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%)
MBWM NEUTRAL

MBWM presents a stark contrast between deep value and deteriorating operational health. While the stock trades significantly below its Graham Number ($71.73) and Intrinsic Value ($159.89), the Piotroski F-Score of 3/9 indicates weak financial health and potential fundamental decay. Despite a stellar 25-quarter track record of earnings beats and solid YoY growth, the bearish technical trend and insider selling suggest a lack of immediate catalyst for a price correction toward fair value.

Strengths
Significant undervaluation relative to Graham Number ($71.73) and Intrinsic Value ($159.89)
Exceptional earnings track record with consistent beats over 25 quarters
Strong profitability with a 37.22% profit margin and 13.56% ROE
Risks
Weak operational health as indicated by a Piotroski F-Score of 3/9
Strongly bearish technical trend (10/100)
Bearish insider sentiment with net selling activity

Compare Another Pair

JPM vs MBWM: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Mercantile Bank Corporation (MBWM) 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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