No connection

Search Results

JPM vs OBT

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
OBT
Orange County Bancorp, Inc.
BULLISH
Price
$35.15
Market Cap
$469.9M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
OBT
10.62
Forward P/E
JPM
13.42
OBT
9.01
P/B Ratio
JPM
2.47
OBT
1.65
P/S Ratio
JPM
5.03
OBT
3.93
EV/EBITDA
JPM
--
OBT
--

Profitability

Gross Margin
JPM
0.0%
OBT
0.0%
Operating Margin
JPM
41.06%
OBT
44.68%
Profit Margin
JPM
33.91%
OBT
34.84%
ROE
JPM
16.13%
OBT
17.71%
ROA
JPM
1.35%
OBT
1.61%

Growth

Revenue Growth
JPM
2.5%
OBT
14.7%
Earnings Growth
JPM
-3.6%
OBT
47.3%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
OBT
1.75%
Payout Ratio
JPM
28.97%
OBT
17.12%

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%)
OBT BULLISH

OBT presents a compelling value-growth opportunity, characterized by a stable Piotroski F-Score of 4/9 and a current price ($35.15) trading below its Graham Number ($39.80). The company exhibits exceptional profitability with an ROE of 17.71% and explosive earnings growth (47.3% YoY), significantly outperforming sector averages. While the technical trend score is paradoxically low, the actual price performance shows strong momentum (+63.2% 1Y). The massive gap between the current price and the growth-based intrinsic value ($97.64) suggests significant upside potential.

Strengths
Strong earnings growth (47.3% YoY and 73.5% Q/Q)
High ROE (17.71%) compared to sector average (0.13%)
Trading at a discount to Graham Number ($39.80) and Intrinsic Value ($97.64)
Risks
Moderate financial health as indicated by a Piotroski F-Score of 4/9
Low dividend yield (1.75%) may not attract income-focused investors
Regional bank sector sensitivity to interest rate volatility

Compare Another Pair

JPM vs OBT: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Orange County Bancorp, Inc. (OBT) 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.

Home
Terminal
AI
Markets
Profile