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JPM vs NBHC

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
NBHC
National Bank Holdings Corporation
NEUTRAL
Price
$42.22
Market Cap
$1.89B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
NBHC
15.75
Forward P/E
JPM
13.42
NBHC
10.23
P/B Ratio
JPM
2.47
NBHC
1.15
P/S Ratio
JPM
5.03
NBHC
4.4
EV/EBITDA
JPM
--
NBHC
--

Profitability

Gross Margin
JPM
0.0%
NBHC
0.0%
Operating Margin
JPM
41.06%
NBHC
23.14%
Profit Margin
JPM
33.91%
NBHC
24.73%
ROE
JPM
16.13%
NBHC
7.09%
ROA
JPM
1.35%
NBHC
0.94%

Growth

Revenue Growth
JPM
2.5%
NBHC
33.7%
Earnings Growth
JPM
-3.6%
NBHC
-27.0%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
NBHC
3.03%
Payout Ratio
JPM
28.97%
NBHC
45.9%

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%)
NBHC NEUTRAL

NBHC presents a contradictory profile characterized by a very weak Piotroski F-Score of 2/9, indicating significant deterioration in fundamental financial health. While the stock trades below its Graham Number ($47.02), suggesting defensive value, it is priced far above its growth-based intrinsic value ($18.76). Strong top-line revenue growth (33.7%) is currently offset by a sharp decline in earnings growth (-27%), creating a divergence between scale and profitability. Despite bullish analyst targets, the combination of poor health scores, bearish insider sentiment, and negative earnings momentum warrants a cautious approach.

Strengths
Trades below the Graham Number ($47.02), providing a defensive valuation floor
Strong year-over-year revenue growth of 33.70%
Attractive and sustainable dividend profile with a 45.90% payout ratio
Risks
Critical financial health warning indicated by a Piotroski F-Score of 2/9
Significant earnings contraction with YoY growth at -27.00%
Bearish insider activity with net selling in the last 6 months

Compare Another Pair

JPM vs NBHC: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and National Bank Holdings Corporation (NBHC) 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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