Sturgis Bancorp (OTCMKTS:STBI) and JPMorgan Chase & Co. (NYSE:JPM) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, valuation, analyst recommendations, risk, earnings, dividends and institutional ownership.
Volatility & Risk
Sturgis Bancorp has a beta of 0.23, indicating that its share price is 77% less volatile than the S&P 500. Comparatively, JPMorgan Chase & Co. has a beta of 1.19, indicating that its share price is 19% more volatile than the S&P 500.
This table compares Sturgis Bancorp and JPMorgan Chase & Co.’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|JPMorgan Chase & Co.||24.73%||14.40%||1.25%|
Sturgis Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 2.9%. JPMorgan Chase & Co. pays an annual dividend of $3.20 per share and has a dividend yield of 2.7%. JPMorgan Chase & Co. pays out 35.6% of its earnings in the form of a dividend. JPMorgan Chase & Co. has raised its dividend for 8 consecutive years.
Insider and Institutional Ownership
72.2% of JPMorgan Chase & Co. shares are held by institutional investors. 16.0% of Sturgis Bancorp shares are held by company insiders. Comparatively, 0.8% of JPMorgan Chase & Co. shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Valuation & Earnings
This table compares Sturgis Bancorp and JPMorgan Chase & Co.’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Sturgis Bancorp||$22.48 million||1.96||$4.37 million||N/A||N/A|
|JPMorgan Chase & Co.||$131.41 billion||2.85||$32.47 billion||$9.00||13.02|
JPMorgan Chase & Co. has higher revenue and earnings than Sturgis Bancorp.
This is a breakdown of recent ratings and recommmendations for Sturgis Bancorp and JPMorgan Chase & Co., as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|JPMorgan Chase & Co.||0||10||8||0||2.44|
JPMorgan Chase & Co. has a consensus target price of $121.60, suggesting a potential upside of 3.76%. Given JPMorgan Chase & Co.’s higher probable upside, analysts plainly believe JPMorgan Chase & Co. is more favorable than Sturgis Bancorp.
JPMorgan Chase & Co. beats Sturgis Bancorp on 12 of the 15 factors compared between the two stocks.
Sturgis Bancorp Company Profile
Sturgis Bancorp, Inc., a financial holding company, through its subsidiary, Sturgis Bank & Trust, provides banking products and services to individuals and businesses in the United States. The company offers checking, savings, money market, and sweep accounts; and certificates of deposit and individual retirement accounts. It also provides mortgage, automobile, savings and CD, personal, auto and recreational vehicle, commercial real estate, equipment and machinery, and government supported loans, as well as home equity lines of credit and business lines of credit. In addition, the company offers mortgage life, mortgage accidental death, and mortgage disability insurance products; and other personal banking services, such as private banking, cashier checks, wire transfers, money orders, foreign drafts and foreign currency, overdraft protection, night depository, and notary services, as well as safe deposit boxes. Further, it provides Internet and phone banking, Internet bill pay, direct deposit, Visa check card, merchant, CDARS, and remote deposit capture services; and wealth management and investment brokerage advisory services, as well as cash management services and e-statements. The company has branch offices in Bangor, Bronson, Centreville, Climax, Colon, South Haven, Sturgis, Three Rivers, and White Pigeon in Michigan. Sturgis Bancorp, Inc. was founded in 1905 and is headquartered in Sturgis, Michigan.
JPMorgan Chase & Co. Company Profile
JPMorgan Chase & Co. operates as a financial services company worldwide. 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 deposit and investment products and services to consumers; lending, deposit, and cash management and payment solutions to small businesses; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit card, payment processing, auto loan, and leasing services. The CIB segment provides investment banking products and services, including advising on corporate strategy and structure, and capital-raising in equity and debt markets, as well as loan origination and syndication; treasury services, such as cash management and liquidity solutions; and cash securities and derivative instruments, 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 and private investment funds. The CB segment provides financial solutions, including lending, treasury, investment banking, and asset management to corporations, municipalities, financial institutions, and nonprofit entities, as well as financing to real estate investors and owners. The AWM segment offers investment and wealth management services across various asset classes, such as equities, fixed income, alternatives, and money market funds; multi-asset investment management services; retirement products and services; and brokerage and banking services comprising trusts, estates, loans, mortgages, and deposits. The company also provides ATMs; digital covering 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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