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JPM vs NECB

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
NECB
Northeast Community Bancorp, Inc.
BULLISH
Price
$25.01
Market Cap
$346.0M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
JPM
15.68
NECB
7.7
Forward P/E
JPM
13.42
NECB
6.91
P/B Ratio
JPM
2.47
NECB
0.9
P/S Ratio
JPM
5.03
NECB
3.3
EV/EBITDA
JPM
--
NECB
--

Profitability

Gross Margin
JPM
0.0%
NECB
0.0%
Operating Margin
JPM
41.06%
NECB
59.45%
Profit Margin
JPM
33.91%
NECB
42.33%
ROE
JPM
16.13%
NECB
13.26%
ROA
JPM
1.35%
NECB
2.18%

Growth

Revenue Growth
JPM
2.5%
NECB
9.7%
Earnings Growth
JPM
-3.6%
NECB
5.5%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
NECB
3.2%
Payout Ratio
JPM
28.97%
NECB
24.62%

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%)
NECB BULLISH

NECB presents a classic deep-value opportunity, trading significantly below its Graham Number ($45.05) and Intrinsic Value ($49.56). While the Piotroski F-Score of 4/9 indicates only stable financial health rather than strong improvement, the company maintains a healthy ROE of 13.26% and a very conservative dividend payout ratio. The primary headwinds are bearish insider sentiment and a weak technical trend, but the fundamental valuation gap is too wide to ignore.

Strengths
Significant undervaluation with Price/Book at 0.90
Strong profitability metrics (ROE 13.26%, ROA 2.18%)
Low P/E ratio (7.70) compared to sector averages
Risks
Bearish insider activity with multiple director and CFO sales
Negative recent Q/Q EPS growth (-8.1%)
Weak technical trend score (10/100)

Compare Another Pair

JPM vs NECB: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Northeast Community Bancorp, Inc. (NECB) 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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