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JPM vs ORRF

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
ORRF
Orrstown Financial Services, Inc.
BULLISH
Price
$38.69
Market Cap
$759.1M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
JPM
15.68
ORRF
9.26
Forward P/E
JPM
13.42
ORRF
8.94
P/B Ratio
JPM
2.47
ORRF
1.28
P/S Ratio
JPM
5.03
ORRF
3.01
EV/EBITDA
JPM
--
ORRF
--

Profitability

Gross Margin
JPM
0.0%
ORRF
0.0%
Operating Margin
JPM
41.06%
ORRF
47.07%
Profit Margin
JPM
33.91%
ORRF
32.07%
ROE
JPM
16.13%
ORRF
14.59%
ROA
JPM
1.35%
ORRF
1.47%

Growth

Revenue Growth
JPM
2.5%
ORRF
8.0%
Earnings Growth
JPM
-3.6%
ORRF
55.9%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
ORRF
2.84%
Payout Ratio
JPM
28.97%
ORRF
25.36%

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%)
ORRF BULLISH

ORRF presents a compelling value opportunity, trading significantly below its Graham Number ($53.4) and Intrinsic Value ($123.31). While the Piotroski F-Score of 3/9 indicates weak short-term financial health trends, this is offset by an exceptional earnings track record with consistent beats over 25 quarters and a strong ROE of 14.59%. The stock is fundamentally undervalued with a P/E of 9.26, though bearish insider activity and technical trends suggest a period of consolidation before a potential breakout.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional earnings growth (55.9% YoY) and consistent EPS beats
Strong profitability metrics with 14.59% ROE and 1.47% ROA
Risks
Weak Piotroski F-Score (3/9) suggesting deteriorating fundamental health
Bearish insider sentiment with recent sales by the CEO and other officers
Strongly bearish technical trend (10/100)

Compare Another Pair

JPM vs ORRF: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Orrstown Financial Services, Inc. (ORRF) 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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