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JPM vs SBCF

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
SBCF
Seacoast Banking Corporation of Florida
NEUTRAL
Price
$32.73
Market Cap
$3.21B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
SBCF
20.85
Forward P/E
JPM
13.42
SBCF
11.89
P/B Ratio
JPM
2.47
SBCF
1.17
P/S Ratio
JPM
5.03
SBCF
5.36
EV/EBITDA
JPM
--
SBCF
--

Profitability

Gross Margin
JPM
0.0%
SBCF
0.0%
Operating Margin
JPM
41.06%
SBCF
43.75%
Profit Margin
JPM
33.91%
SBCF
24.21%
ROE
JPM
16.13%
SBCF
5.53%
ROA
JPM
1.35%
SBCF
0.8%

Growth

Revenue Growth
JPM
2.5%
SBCF
32.4%
Earnings Growth
JPM
-3.6%
SBCF
-23.4%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
SBCF
2.32%
Payout Ratio
JPM
28.97%
SBCF
46.5%

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%)
SBCF NEUTRAL

SBCF presents a conflicting profile with a stable Piotroski F-Score of 4/9 and a current price ($32.73) trading slightly above its Graham Number ($31.45) but significantly above its growth-based intrinsic value ($10.99). While revenue growth is robust at 32.40% YoY, this has not translated to the bottom line, as evidenced by a -23.40% decline in earnings growth and a low ROE of 5.53%. The stock is currently facing strong headwinds from bearish insider sentiment and a very weak technical trend (10/100), suggesting a potential peak in price momentum.

Strengths
Strong top-line revenue growth (32.40% YoY and 52.97% Q/Q)
Reasonable Price-to-Book ratio of 1.17
Sustainable dividend payout ratio of 46.50%
Risks
Negative YoY earnings growth (-23.40%) indicating margin compression
Low profitability metrics (ROE 5.53%, ROA 0.80%)
Bearish insider activity with multiple director/officer sales

Compare Another Pair

JPM vs SBCF: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Seacoast Banking Corporation of Florida (SBCF) 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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