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JPM vs STBA

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
STBA
S&T Bancorp, Inc.
NEUTRAL
Price
$44.15
Market Cap
$1.62B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
STBA
12.65
Forward P/E
JPM
13.42
STBA
11.61
P/B Ratio
JPM
2.47
STBA
1.13
P/S Ratio
JPM
5.03
STBA
4.1
EV/EBITDA
JPM
--
STBA
--

Profitability

Gross Margin
JPM
0.0%
STBA
0.0%
Operating Margin
JPM
41.06%
STBA
43.66%
Profit Margin
JPM
33.91%
STBA
34.01%
ROE
JPM
16.13%
STBA
9.44%
ROA
JPM
1.35%
STBA
1.38%

Growth

Revenue Growth
JPM
2.5%
STBA
2.9%
Earnings Growth
JPM
-3.6%
STBA
4.0%

Financial Health

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

Dividends

Dividend Yield
JPM
1.91%
STBA
3.26%
Payout Ratio
JPM
28.97%
STBA
39.54%

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%)
STBA NEUTRAL

STBA presents a classic value trap profile: it is fundamentally undervalued relative to its Graham Number ($55.44) and Intrinsic Value ($45.37), yet it suffers from a weak Piotroski F-Score of 3/9, indicating deteriorating financial health. While the company maintains a consistent track record of earnings beats and a sustainable dividend, the sluggish growth rates and a heavily bearish technical trend (10/100) offset the valuation appeal. The stock is currently trading at a discount, but the underlying health metrics suggest caution.

Strengths
Trading below Graham Number ($55.44) and Intrinsic Value ($45.37)
Strong earnings track record with 3/4 recent beats and consistent historical surprises
Sustainable dividend profile with a 39.54% payout ratio
Risks
Weak Piotroski F-Score (3/9) signaling poor fundamental health
Very bearish technical trend (10/100) despite recent price appreciation
Sluggish year-over-year revenue growth (2.90%) and earnings growth (4.00%)

Compare Another Pair

JPM vs STBA: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and S&T Bancorp, Inc. (STBA) 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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