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JPM vs SHBI

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
SHBI
Shore Bancshares, Inc.
BULLISH
Price
$19.98
Market Cap
$668.3M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
SHBI
11.22
Forward P/E
JPM
13.42
SHBI
9.22
P/B Ratio
JPM
2.47
SHBI
1.13
P/S Ratio
JPM
5.03
SHBI
3.08
EV/EBITDA
JPM
--
SHBI
--

Profitability

Gross Margin
JPM
0.0%
SHBI
0.0%
Operating Margin
JPM
41.06%
SHBI
41.57%
Profit Margin
JPM
33.91%
SHBI
27.46%
ROE
JPM
16.13%
SHBI
10.52%
ROA
JPM
1.35%
SHBI
0.95%

Growth

Revenue Growth
JPM
2.5%
SHBI
8.1%
Earnings Growth
JPM
-3.6%
SHBI
17.9%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
SHBI
2.4%
Payout Ratio
JPM
28.97%
SHBI
26.97%

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%)
SHBI BULLISH

SHBI presents a compelling value opportunity, anchored by a stable Piotroski F-Score of 4/9 and a current price of $19.98 that sits significantly below both its Graham Number ($26.59) and estimated Intrinsic Value ($52.51). The company exhibits strong fundamental growth with YoY earnings increasing by 17.9% and a low Forward P/E of 9.22. While technical trends are currently bearish and insider activity is slightly negative, the underlying profitability and valuation gap suggest significant upside potential. The low payout ratio of 26.97% ensures dividend sustainability despite the modest yield.

Strengths
Significant undervaluation relative to Graham Number ($26.59) and Intrinsic Value ($52.51)
Strong earnings growth (17.9% YoY) and positive Q/Q momentum
Attractive valuation multiples (P/E 11.22, Forward P/E 9.22, P/B 1.13)
Risks
Bearish technical trend (10/100) suggesting short-term price pressure
Lack of insider buying activity (Net Bearish)
Moderate financial health as indicated by a Piotroski F-Score of 4/9

Compare Another Pair

JPM vs SHBI: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Shore Bancshares, Inc. (SHBI) 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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