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JPM vs PB

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
PB
Prosperity Bancshares, Inc.
NEUTRAL
Price
$69.33
Market Cap
$7.04B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
PB
12.58
Forward P/E
JPM
13.42
PB
9.61
P/B Ratio
JPM
2.47
PB
0.85
P/S Ratio
JPM
5.03
PB
5.37
EV/EBITDA
JPM
--
PB
--

Profitability

Gross Margin
JPM
0.0%
PB
0.0%
Operating Margin
JPM
41.06%
PB
55.62%
Profit Margin
JPM
33.91%
PB
40.35%
ROE
JPM
16.13%
PB
6.73%
ROA
JPM
1.35%
PB
1.28%

Growth

Revenue Growth
JPM
2.5%
PB
19.9%
Earnings Growth
JPM
-3.6%
PB
-15.1%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
PB
3.43%
Payout Ratio
JPM
28.97%
PB
42.83%

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%)
PB NEUTRAL

Prosperity Bancshares presents a conflicting profile: it is fundamentally undervalued on an asset basis (P/B 0.85) and below its Graham Number ($100.73), yet it exhibits severe financial health deterioration with a Piotroski F-Score of 2/9. While revenue growth is strong at 19.9%, earnings are contracting (-15.1% YoY), likely reflecting the costs and integration of a recent acquisition. The significant gap between the Graham Number and the growth-based Intrinsic Value ($38.57) suggests the stock is a value trap if earnings do not recover. Bearish insider activity and a 0/100 technical trend further dampen the outlook despite bullish analyst targets.

Strengths
Trading at a discount to book value (P/B 0.85)
Strong revenue growth of 19.9% YoY
Low Forward P/E of 9.61 relative to sector averages
Risks
Critical financial health weakness (Piotroski F-Score 2/9)
Negative earnings growth (-15.1% YoY) despite revenue gains
Bearish insider sentiment with consistent director selling

Compare Another Pair

JPM vs PB: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Prosperity Bancshares, Inc. (PB) 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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