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JPM vs MTB

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
MTB
M&T Bank Corporation
NEUTRAL
Price
$215.54
Market Cap
$32.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
MTB
12.11
Forward P/E
JPM
13.42
MTB
10.32
P/B Ratio
JPM
2.47
MTB
1.24
P/S Ratio
JPM
5.03
MTB
3.44
EV/EBITDA
JPM
--
MTB
--

Profitability

Gross Margin
JPM
0.0%
MTB
0.0%
Operating Margin
JPM
41.06%
MTB
38.9%
Profit Margin
JPM
33.91%
MTB
31.48%
ROE
JPM
16.13%
MTB
10.29%
ROA
JPM
1.35%
MTB
1.38%

Growth

Revenue Growth
JPM
2.5%
MTB
5.7%
Earnings Growth
JPM
-3.6%
MTB
24.4%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
MTB
2.78%
Payout Ratio
JPM
28.97%
MTB
32.85%

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%)
MTB NEUTRAL

MTB presents a stark contrast between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($263.85) and Intrinsic Value ($525.1), the low health score and bearish insider sentiment suggest underlying operational risks. Strong YoY earnings growth of 24.4% and a sustainable dividend payout provide a floor, but the technical trend and insider selling indicate a lack of immediate conviction. The overall outlook is neutral as the valuation discount is offset by fundamental health concerns.

Strengths
Significant undervaluation relative to Graham Number ($263.85) and Intrinsic Value ($525.1)
Strong YoY earnings growth of 24.4%
Sustainable dividend profile with a low payout ratio of 32.85%
Risks
Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Bearish insider activity with 5 sell transactions and 0 buys in the last 6 months
Bearish technical trend (0/100 score)

Compare Another Pair

JPM vs MTB: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and M&T Bank Corporation (MTB) 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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