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JPM vs PGC

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
PGC
Peapack-Gladstone Financial Corporation
BULLISH
Price
$38.48
Market Cap
$681.4M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
JPM
15.68
PGC
18.32
Forward P/E
JPM
13.42
PGC
8.23
P/B Ratio
JPM
2.47
PGC
1.02
P/S Ratio
JPM
5.03
PGC
2.63
EV/EBITDA
JPM
--
PGC
--

Profitability

Gross Margin
JPM
0.0%
PGC
0.0%
Operating Margin
JPM
41.06%
PGC
25.38%
Profit Margin
JPM
33.91%
PGC
14.43%
ROE
JPM
16.13%
PGC
5.91%
ROA
JPM
1.35%
PGC
0.51%

Growth

Revenue Growth
JPM
2.5%
PGC
16.3%
Earnings Growth
JPM
-3.6%
PGC
31.1%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
PGC
0.52%
Payout Ratio
JPM
28.97%
PGC
9.52%

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%)
PGC BULLISH

PGC presents a compelling value opportunity, trading below both its Graham Number ($42.25) and Intrinsic Value ($61.95). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company is exhibiting strong growth momentum with YoY earnings growth of 31.10% and a significantly compressed forward P/E of 8.23. Despite a poor recent track record of earnings surprises (1/4 beats), the underlying price performance and valuation metrics suggest significant upside potential.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong growth trajectory with 31.10% YoY earnings growth
Attractive forward P/E ratio of 8.23 suggesting earnings expansion
Risks
Low profitability metrics with ROE at 5.91% and ROA at 0.51%
Poor recent earnings reliability with an average surprise of -9.20% over the last 4 quarters
Piotroski F-Score of 4/9 indicates only mediocre financial health

Compare Another Pair

JPM vs PGC: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Peapack-Gladstone Financial Corporation (PGC) 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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