Emclair Financial (NASDAQ: EMCF – Get a rating) and JPMorgan Chase & Co. (NYSE:JPM – Get a rating) are both finance companies, but which is the superior investment? We’ll compare the two companies based on institutional ownership strength, risk, dividends, analyst recommendations, profitability, earnings, and valuation.
This is a summary of recent ratings and recommendations for Emclaire Financial and JPMorgan Chase & Co., as reported by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Eclaire Financial||0||0||0||0||N / A|
|JPMorgan Chase & Co.||1||8||7||0||2.38|
JPMorgan Chase & Co. has a consensus target price of $165.71, suggesting a potential upside of 33.94%. Given JPMorgan Chase & Co.’s possible higher upside, analysts clearly believe that JPMorgan Chase & Co. is more favorable than Emclaire Financial.
This table compares the net margins, return on equity and return on assets of Emclaire Financial and JPMorgan Chase & Co.
|Net margins||Return on equity||return on assets|
|JPMorgan Chase & Co.||33.61%||16.58%||1.12%|
Risk and Volatility
Emclaire Financial has a beta of 0.5, meaning its stock price is 50% less volatile than the S&P 500. In comparison, JPMorgan Chase & Co. has a beta of 1.12, meaning its stock price is 12% more volatile than the S&P 500. .
Emclaire Financial pays an annual dividend of $1.24 per share and has a dividend yield of 3.5%. JPMorgan Chase & Co. pays an annual dividend of $4.00 per share and has a dividend yield of 3.2%. Emclaire Financial pays 33.3% of its earnings as a dividend. JPMorgan Chase & Co. distributes 29.7% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Emclaire Financial has increased its dividend for 1 consecutive year and JPMorgan Chase & Co. has increased its dividend for 11 consecutive years.
Insider and Institutional Ownership
12.0% of Emclaire Financial shares are held by institutional investors. By comparison, 70.4% of JPMorgan Chase & Co.’s stock is held by institutional investors. 15.5% of the shares of Emclaire Financial are held by insiders of the company. By comparison, 0.8% of JPMorgan Chase & Co.’s stock is held by insiders of the company. Strong institutional ownership indicates that hedge funds, large fund managers, and endowments believe a company will outperform the market over the long term.
Benefits and evaluation
This table compares revenue, earnings per share and valuation of Emclaire Financial and JPMorgan Chase & Co.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Eclaire Financial||$41.17 million||2.33||$10.17 million||$3.72||9.41|
|JPMorgan Chase & Co.||$127.20 billion||2.86||$48.33 billion||$13.48||9.18|
JPMorgan Chase & Co. has higher revenues and profits than Emclaire Financial. JPMorgan Chase & Co. trades at a lower price-to-earnings ratio than Emclaire Financial, indicating that it is currently the more affordable of the two stocks.
JPMorgan Chase & Co. beats Emclaire Financial on 13 of 16 factors compared between the two stocks.
About Eclaire Financial (Get a rating)
Emclaire Financial Corp operates as a bank holding company for Farmers National Bank of Emlenton which provides retail and commercial financial products and services to individuals and businesses in Western Pennsylvania. The Company’s deposit products include checking, savings and term certificate accounts; savings and term deposits; interest-bearing and non-interest-bearing demand deposit accounts; and money market accounts. Its loan portfolio includes one to four family mortgages, home equity loans, commercial and commercial real estate loans, consumer loans and single borrower loans. The company operates a network of 19 retail locations in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson and Mercer counties, and Pennsylvania. The company was founded in 1900 and is based in Emlenton, Pennsylvania.
About JPMorgan Chase & Co. (Get a rating)
JPMorgan Chase & Co. operates as a worldwide financial services company. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB) and Asset & Wealth Management (AWM). The CCB segment offers s deposit, investment and lending products, payments and consumer services; lending, deposit, cash management and payment solutions for small businesses; mortgage origination and management activities; residential mortgages and home equity loans; and credit card, car loan and leasing services. The CIB segment provides investment banking products and services, including corporate strategy and structure advice, capital raising services in equity and debt markets, as well as origination and syndication loans; cross-border payments and financing; and cash and derivatives, risk management solutions, prime brokerage and research. This segment also offers securities services, including custody, fund accounting and administration, and securities lending products for asset managers, insurance companies and public investment funds and private. The CB segment provides financial solutions, including loans, payments, investment banking and asset management services to small businesses, large and medium enterprises, local governments and non-profit customers; and commercial real estate banking services to investors, developers and owners of multi-family, office, retail, industrial and affordable housing properties. The AWM segment offers multi-asset investment management solutions in equities, fixed income, alternatives and money market funds to institutional clients and retail investors; and pension products and services, brokerage, custodial, trusts and estates, loans, mortgages, deposits and investment management products. The Company also provides ATM, online and mobile, and telephone banking services. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.
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