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JPM vs OSBC

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
OSBC
Old Second Bancorp, Inc.
BULLISH
Price
$21.67
Market Cap
$1.14B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
JPM
15.68
OSBC
13.29
Forward P/E
JPM
13.42
OSBC
9.4
P/B Ratio
JPM
2.47
OSBC
1.27
P/S Ratio
JPM
5.03
OSBC
3.67
EV/EBITDA
JPM
--
OSBC
--

Profitability

Gross Margin
JPM
0.0%
OSBC
0.0%
Operating Margin
JPM
41.06%
OSBC
44.8%
Profit Margin
JPM
33.91%
OSBC
25.8%
ROE
JPM
16.13%
OSBC
10.24%
ROA
JPM
1.35%
OSBC
1.28%

Growth

Revenue Growth
JPM
2.5%
OSBC
32.3%
Earnings Growth
JPM
-3.6%
OSBC
29.9%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
OSBC
1.2%
Payout Ratio
JPM
28.97%
OSBC
15.43%

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%)
OSBC BULLISH

OSBC presents a compelling value opportunity, trading significantly below its Graham Number ($24.99) and Intrinsic Value ($48.08). The company maintains a stable Piotroski F-Score of 4/9 and demonstrates exceptional growth with YoY revenue and earnings increases exceeding 29%. While the technical trend score is bearish and insider selling is prominent, the fundamental valuation and consistent earnings beat track record suggest strong underlying performance.

Strengths
Strong YoY revenue growth of 32.30%
Impressive earnings growth of 29.90% YoY
Attractive valuation with a Forward P/E of 9.40
Risks
Significant insider selling totaling $2.85M in the last 6 months
Low dividend strength (25/100) and yield (1.20%)
Bearish technical trend score (10/100)

Compare Another Pair

JPM vs OSBC: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Old Second Bancorp, Inc. (OSBC) 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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