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JPM vs NWFL

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
NWFL
Norwood Financial Corp.
NEUTRAL
Price
$30.85
Market Cap
$336.0M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
JPM
15.68
NWFL
10.25
Forward P/E
JPM
13.42
NWFL
8.42
P/B Ratio
JPM
2.47
NWFL
1.18
P/S Ratio
JPM
5.03
NWFL
3.9
EV/EBITDA
JPM
--
NWFL
--

Profitability

Gross Margin
JPM
0.0%
NWFL
0.0%
Operating Margin
JPM
41.06%
NWFL
48.02%
Profit Margin
JPM
33.91%
NWFL
32.21%
ROE
JPM
16.13%
NWFL
12.18%
ROA
JPM
1.35%
NWFL
1.17%

Growth

Revenue Growth
JPM
2.5%
NWFL
--
Earnings Growth
JPM
-3.6%
NWFL
--

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
NWFL
4.15%
Payout Ratio
JPM
28.97%
NWFL
41.2%

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%)
NWFL NEUTRAL

NWFL presents a complex profile with a stable Piotroski F-Score of 4/9 and a valuation that sits between a defensive Graham Number ($42.14) and a lower growth-based intrinsic value ($21.07). While the company exhibits strong profitability metrics, including an ROE of 12.18% that significantly outperforms its sector average, it is currently battling a severely bearish technical trend (10/100). The stock is fundamentally attractive from a P/E and dividend perspective, but the discrepancy between its current price and intrinsic value suggests limited growth-based upside.

Strengths
Attractive valuation with a P/E of 10.25, well below the sector average of 49.01
Strong ROE of 12.18% compared to the sector average of 0.10%
Sustainable dividend profile with a 4.15% yield and a conservative 41.20% payout ratio
Risks
Severely bearish technical trend (10/100) indicating strong downward momentum
Current price ($30.85) is trading at a premium to its growth-based intrinsic value ($21.07)
Low insider sentiment score (40/100) and lack of recent insider buying

Compare Another Pair

JPM vs NWFL: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Norwood Financial Corp. (NWFL) 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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