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JPM vs MPB

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
MPB
Mid Penn Bancorp, Inc.
BULLISH
Price
$33.43
Market Cap
$845.4M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
MPB
13.48
Forward P/E
JPM
13.42
MPB
8.35
P/B Ratio
JPM
2.47
MPB
0.95
P/S Ratio
JPM
5.03
MPB
3.77
EV/EBITDA
JPM
--
MPB
--

Profitability

Gross Margin
JPM
0.0%
MPB
0.0%
Operating Margin
JPM
41.06%
MPB
46.22%
Profit Margin
JPM
33.91%
MPB
25.06%
ROE
JPM
16.13%
MPB
7.66%
ROA
JPM
1.35%
MPB
0.97%

Growth

Revenue Growth
JPM
2.5%
MPB
33.1%
Earnings Growth
JPM
-3.6%
MPB
15.1%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
MPB
2.51%
Payout Ratio
JPM
28.97%
MPB
32.16%

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%)
MPB BULLISH

Mid Penn Bancorp exhibits a stable financial profile with a Piotroski F-Score of 4/9 and significant valuation upside, as the current price of $33.43 sits well below both the Graham Number ($44.39) and the Intrinsic Value ($73.16). The company is trading at a discount to book value (P/B 0.95) while delivering aggressive revenue growth of 33.10% YoY, likely fueled by recent merger activity. Despite a heavily bearish technical trend (10/100), the fundamental data—including a low forward P/E of 8.35 and a consistent history of earnings beats—suggests a strong value opportunity.

Strengths
Deep value positioning with Price < Book Value < Graham Number
Exceptional top-line growth (33.10% YoY Revenue Growth)
Strong earnings track record with 3 of the last 4 quarters beating estimates
Risks
Severe bearish technical momentum (Technical Trend: 10/100)
Execution and integration risks associated with multiple recent mergers (1st Colonial, Brunswick, Cumberland)
Moderate ROE (7.66%) which is relatively low for the growth rate

Compare Another Pair

JPM vs MPB: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Mid Penn Bancorp, Inc. (MPB) 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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