JPM vs PFS Stock Comparison
PFS currently leads JPM in this stock comparison, with AIQ scores of 56 vs 52. The clearest difference is value.
What is the main difference between JPM and PFS?
PFS leads the current stock comparison as Provident Financial Services, Inc., with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
JPMorgan Chase & Co. vs Provident Financial Services, Inc.
PFS leads
PFS leads by 4 AIQ points, primarily on Value and Risk Resilience.
Stable: 5 of 6 evidence groups support PFS, and its signal state is cleanly positive.
JPMorgan Chase & Co.
Provident Financial Services, Inc.
The Algovestiq AIQ Score currently favors PFS over JPM, 56 versus 52 as of Oct 21, 2026. PFS's advantage is driven primarily by stronger value and risk resilience. PFS also shows the stronger technical structure relative to its 50-day moving average. 5 of 6 covered evidence groups favor PFS today, and the comparison is rated Stable on stability: the AIQ gap is narrow at 4 points. PFS lead: Stable — the AIQ differential has held near 4 points over 30 sessions.
Compare JPMorgan Chase & Co. and Provident Financial Services, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare JPM and PFS against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Value44 vs 59PFS +15
- Risk Resilience68 vs 73PFS +5
- Momentum58 vs 55Even
- Quality46 vs 45Even
5 of 6 evidence groups favor PFS. PFS’s edge is concentrated in value and risk resilience.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +8
No signal started or stopped since the prior session; its 2 active signals are unchanged.
Largest factor move: Momentum +15
No signal started or stopped since the prior session; its 2 active signals are unchanged.
PFS's lead widened by 1 AIQ point in the latest session.
Deeper signal detail for each name lives on its own signals page — JPM and PFS both carry a full feed there.
The central trade-off
PFS (Provident Financial Services, Inc.): the stronger current systematic profile, led by value and risk resilience.
JPM (JPMorgan Chase & Co.): the counter-case, on technicals.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
PFSPFS on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
PFSPFS on combined revenue and EPS growth.
Value
PFSPFS on the peer-relative Value factor, by 15 points.
Momentum
EvenThe two are level on Momentum.
Lower downside
PFSPFS on Risk Resilience, by 5 points.
Analyst upside
PFSPFS on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | JPM | PFS | Note |
|---|---|---|---|
| Implied upside to target | +11.3% | +17.6% | PFS has more room |
| Target dispersion | +32.2% | +3.8% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 11 | 2 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | JPM | PFS |
|---|---|---|
| 5Y dividend CAGR | 9.04% | 0.85% |
| 2020 regular DPS | $3.600 | $0.920 |
| 2025 regular DPS | $5.550 | $0.960 |
| Years increased | 5 | 2 |
| No cut in window | Yes | Yes |
| Cohort rank | #120 | not ranked |
JPM grew its split-adjusted regular dividend faster over 2020–2025 — 9.04% a year against PFS's 0.85%. Neither company reduced its regular dividend in any year of the window.
Yield and payout ratio shown elsewhere on this page are current values, not part of the study window.
Split-adjusted regular dividends per share, 2020–2025, excluding special dividends. Research as of Sep 19, 2026.
AIQ Agreement Matrix
5 of 6 covered evidence groups favor PFS. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | PFS | 52 vs 56 |
| Fundamentals | PFSon balance | revenue growth -7.6% vs -5.7%; EPS growth -27.6% vs -1.6%; TTM ROE 17.9% vs 11%; gross margin 63.2% vs 63.2%; operating margin 28.2% vs 28.8% — PFS takes 3 of 4 decided legs, not all of them |
| Valuation | PFS | Value 44 vs 59 |
| Technicals | JPM | Price vs 50-day -3.4% vs -2.4%; vs 200-day 4% vs 0.1% |
| Risk Resilience | PFS | Risk Resilience 68 vs 73 |
| Analyst expectations | PFS | Target upside 11.3% vs 17.6% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of JPM and PFS and are excluded from the count.
AIQ Decision Stability
The conclusion rests on a wide gap and broad agreement. It is unlikely to turn on a single session.
- The AIQ gap is narrow at 4 points. (argues the conclusion is provisional)
- 5 of 6 covered evidence groups point the same way. (supports the conclusion holding)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on PFS.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20PFS lead: Stable — the AIQ differential has held near 4 points over 30 sessions.
- Today
- PFS +4
- 52 vs 56
- 7 sessions ago
- PFS +3
- 47 vs 50
- 30 sessions ago
- PFS +6
- 43 vs 49
- 90 sessions ago
- PFS +9
- 53 vs 62
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
JPM and PFS carry the same 2 signals, so the signals do not separate them: Golden Cross Active, MACD Bullish Crossover.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.02%, AIQ +3 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.04%, AIQ +4 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1JPM closes the Value gap — currently 15 points behind, the largest single contributor to PFS's edge.
- 2JPM generates a confirmed bullish trend signal it does not currently carry, such as EMA Ribbon Expansion Bullish or Uptrend Structure Active.
- 3PFS's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
PFS leads on balance| Metric | JPM | PFS |
|---|---|---|
| Revenue growth (YoY) | -7.6% | -5.7% |
| EPS growth (YoY) | -27.6% | -1.6% |
| Gross margin | 63.2% | 63.2% |
| Operating margin | 28.2% | 28.8% |
| Return on equity (TTM) | 17.9% | 11% |
| Debt to equity | 3.32 | 1.65 |
Performance
PFS leads 4 of 6 windows| Metric | JPM | PFS |
|---|---|---|
| 1 week (5 sessions) | 1.2% | 2.2% |
| 1 month (20 sessions) | -1.4% | -0.5% |
| 3 months (63 sessions) | -3.7% | -6.2% |
| 6 months (126 sessions) | 7.1% | 0.7% |
| Year to date | 4% | 14.1% |
| 1 year (252 sessions) | 12.3% | 26% |
Technicals
JPM has the stronger structure| Metric | JPM | PFS |
|---|---|---|
| RSI (14) | 57.4 | 57.7 |
| ADX (14) | 20.5 | 30.1 |
| Price vs 50-day | -3.4% | -2.4% |
| Price vs 200-day | 4% | 0.1% |
| Volatility (1M, annualized) | 14.8% | 15.7% |
Risk
PFS is the more resilient| Metric | JPM | PFS |
|---|---|---|
| Beta | 0.75 | 0.55 |
| Sharpe ratio | 0.47 | 0.85 |
| Sortino ratio | 0.66 | 1.35 |
| Max drawdown | -15.5% | -15.4% |
| Current drawdown | -8.2% | -10.9% |
| Annualized volatility | 22.2% | 23.6% |
| Value at risk (95%) | -2.4% | -1.9% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, JPM or PFS?
On the Algovestiq AIQ Score, PFS is the stronger of the two as of Oct 21, 2026, scoring 56 against JPM's 52. The edge comes from value and risk resilience. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is JPM or PFS the better buy right now?
PFS carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Stable — 5 of 6 covered evidence groups agree. A Stable rating means the gap is wide and the evidence is broad, so the conclusion is unlikely to turn on a single session.
Why does the AIQ Score favor PFS over JPM?
The composite weights Quality, Value, Momentum and Risk Resilience. PFS leads Value by 15 points; PFS leads Risk Resilience by 5 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, JPM or PFS?
Analyst price targets imply +11.3% upside for JPM and +17.6% for PFS, so the Street currently favors PFS. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, JPM or PFS?
PFS is the better-valued of the two on the peer-relative Value factor. PFS on the peer-relative Value factor, by 15 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, JPM or PFS?
PFS on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, JPM or PFS?
The two are level on Momentum. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, JPM or PFS?
PFS is the more resilient of the two, so the other name carries the higher downside risk. PFS on Risk Resilience, by 5 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is JPM more profitable than PFS?
The profitability evidence is mixed: gross margin 63.2% vs 63.2%; operating margin 28.2% vs 28.8%; ttm roe 17.9% vs 11%. Each name leads on one measure, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is PFS's lead over JPM getting stronger or weaker?
PFS lead: Stable — the AIQ differential has held near 4 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has not changed hands in that window.
What would change the JPM vs PFS verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: JPM closes the Value gap — currently 15 points behind, the largest single contributor to PFS's edge; JPM generates a confirmed bullish trend signal it does not currently carry, such as EMA Ribbon Expansion Bullish or Uptrend Structure Active; PFS's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about JPM and PFS?
JPM: 2 bullish / 0 bearish. PFS: 2 bullish / 0 bearish. The most decision-relevant rule on JPM is Golden Cross Active (bullish, long horizon). On PFS it is Golden Cross Active (bullish, long horizon).
Compare JPM and PFS with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.