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JPM vs NPB

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
NPB
Northpointe Bancshares, Inc.
NEUTRAL
Price
$17.83
Market Cap
$615.0M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
JPM
15.68
NPB
7.96
Forward P/E
JPM
13.42
NPB
5.98
P/B Ratio
JPM
2.47
NPB
1.04
P/S Ratio
JPM
5.03
NPB
2.45
EV/EBITDA
JPM
--
NPB
--

Profitability

Gross Margin
JPM
0.0%
NPB
0.0%
Operating Margin
JPM
41.06%
NPB
46.08%
Profit Margin
JPM
33.91%
NPB
35.12%
ROE
JPM
16.13%
NPB
15.01%
ROA
JPM
1.35%
NPB
1.33%

Growth

Revenue Growth
JPM
2.5%
NPB
27.9%
Earnings Growth
JPM
-3.6%
NPB
24.2%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
NPB
0.56%
Payout Ratio
JPM
28.97%
NPB
4.46%

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%)
NPB NEUTRAL

NPB presents a classic value trap profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health despite strong top-line growth. While the stock trades at a significant discount to its Graham Number ($29.36) and Intrinsic Value ($66.08), this valuation is offset by bearish technicals, insider selling, and a poor earnings track record (1/4 beats). The disconnect between high growth rates and poor financial health scores suggests underlying operational or balance sheet instability.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY Revenue Growth (27.90%) and Earnings Growth (24.20%)
Low P/E ratio (7.96) and Forward P/E (5.98) compared to sector averages
Risks
Critical financial health warning indicated by Piotroski F-Score of 2/9
Bearish insider sentiment with $1.3M in net selling over the last 6 months
Poor earnings reliability with 3 of the last 4 quarters missing estimates

Compare Another Pair

JPM vs NPB: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Northpointe Bancshares, Inc. (NPB) 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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