LIVE
JPM
JPMorgan Chase & Co. · Financials
$325.22
+9.98% this month
VERSUS
⟷
COMPARE
WFC
Wells Fargo & Company · Financials
$82.20
+10.26% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
JPM
3
WFC
2
Comparison scoreboard
JPM LEADS 3/5AI Score
JPM ✓60.1
WFC 41.6
1Y Return
JPM ✓+20.67%
WFC +13.38%
Fwd P/E
JPM 13.62
WFC ✓10.60
Target Up.
JPM +6.69%
WFC ✓+14.79%
Op. Margin
JPM ✓43.74%
WFC 29.45%
Metrics last refreshed: 6/20/2026
Quick take
JPM vs WFC Stock Comparison: AI Score, Valuation, Performance and Upside
JPMorgan Chase and Wells Fargo are both US megabanks with national consumer banking footprints, but at very different points. JPMorgan is the best-run US bank at peak performance under Jamie Dimon. Wells Fargo is in regulatory recovery — constrained by the Fed's asset cap imposed after the fake accounts scandal, with potential significant upside when the cap is removed. JPMorgan is the quality compounder; Wells Fargo is the recovery story.
JPM vs WFC is the gold-standard US megabank with comprehensive consumer, commercial, investment banking, and wealth management under Jamie Dimon's 18-year compounding track record (JPMorgan Chase) versus the recovering US megabank with the Fed's $1.95T asset cap expected to be lifted as the primary catalyst enabling balance sheet growth, NII expansion, and return on equity recovery to peer levels (Wells Fargo) — quality compounder vs regulatory recovery catalyst.
Live analysis · updated 6/20/2026
JPM holds the edge across 3 of 5 key metrics in this comparison. JPM has delivered stronger 1-year price return (+20.67% vs +13.38%), though WFC trades at the lower forward P/E (10.60x vs 13.62x). JPM leads on both revenue growth (12.70%) and operating margin (43.74%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for WFC (+14.79%) than for JPM (+6.69%).
Normalized 1Y performance
JPM
WFC
Recent returns
JPM
WFC
Analyst price targets & sentiment
JPM · 23 analysts
STRONG BUYHOLDSTRONG SELL
Buy (2.1/5.0)
Price target range
analyst low$195.00
analyst mean$342.19
current price$325.22
+6.7% upside to analyst mean
WFC · 22 analysts
STRONG BUYHOLDSTRONG SELL
Buy (2.0/5.0)
Price target range
analyst low$65.00
analyst mean$96.11
current price$82.20
+14.8% upside to analyst mean
Who should consider this stock?
JPM may suit investors who:
- →prefer the gold-standard US megabank with Jamie Dimon's proven 18-year compounding track record across consumer, commercial, investment banking, and wealth management
- →value JPMorgan's comprehensive business model providing earnings stability across interest rate cycles and economic phases — less single-segment dependence than Wells Fargo
- →want the highest-quality US bank exposure with First Republic acquisition adding high-net-worth consumer relationships at attractive FDIC-assisted pricing
- →are comfortable with GSIB surcharge limiting capital return flexibility, NII normalization as rates cycle, and no single 'asset cap removal' catalyst providing concentrated upside
WFC may suit investors who:
- →prefer the bank recovery story with the Fed's asset cap removal as a concentrated catalyst enabling balance sheet growth, NII expansion, and ROE normalization toward peer levels
- →value Wells Fargo's trading at discount to peers — the asset cap has depressed WFC's valuation below peers, creating potential catch-up when the constraint is removed
- →want US bank exposure to the efficiency ratio improvement under Charlie Scharf generating operating leverage even within the current asset cap
- →are comfortable with asset cap removal timing uncertainty, commercial real estate office portfolio risk, and mortgage market sensitivity from Wells Fargo's historically large mortgage origination business
Performance & AI score
| Metric | JPM | WFC |
|---|---|---|
| AI score | 60.1 | 41.6 |
| AI rank | #161 | #932 |
| Latest close | $325.22 | $82.20 |
| 1M return | +9.98% | +10.26% |
| 6M return | +3.25% | -11.22% |
| 1Y return | +20.67% | +13.38% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | JPM | WFC |
|---|---|---|
| 1Y ago | $11.87K (+18.7%) started 2025-06-18 | $11K (+10.0%) started 2025-06-18 |
| 5Y ago | $26.95K (+169.5%) started 2021-06-21 | $23.26K (+132.6%) started 2021-06-21 |
| 10Y ago | $88.22K (+782.2%) started 2016-06-20 | $30.23K (+202.3%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | JPM | WFC |
|---|---|---|
| Market cap | $859.37B | $256.23B |
| Trailing P/E | 15.36 | 12.94 |
| Forward P/E | 13.62 | 10.60 |
| Price/Sales | 4.38 | 3.22 |
| EV/Revenue | 3.56 | 3.47 |
| Analyst target | $342.19 | $96.11 |
| Target upside | +6.69% | +14.79% |
Growth, profitability & risk
| Metric | JPM | WFC |
|---|---|---|
| Revenue growth | 12.70% | 5.70% |
| Earnings growth | 17.20% | 15.10% |
| EPS growth | +17.20% | +15.10% |
| FCF margin | N/A | N/A |
| Operating margin | 43.74% | 29.45% |
| Profit margin | 33.94% | 26.74% |
| ROIC proxy | 16.47% | 12.03% |
| Return on equity | 16.47% | 12.03% |
| Dividend yield | 1.87% | 2.15% |
| Beta | 1.00 | 0.93 |
| Debt/equity | N/A | N/A |
| Current ratio | N/A | N/A |
| Quick ratio | N/A | N/A |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
JPM max drawdown15.47%
WFC max drawdown23.83%
JPM max wkly drop7.09%
WFC max wkly drop8.74%
5Y risk snapshot
JPM max drawdown38.77%
WFC max drawdown37.10%
JPM max wkly drop13.76%
WFC max wkly drop17.68%
10Y risk snapshot
JPM max drawdown43.63%
WFC max drawdown64.46%
JPM max wkly drop23.11%
WFC max wkly drop30.08%
Performance metrics by period
| Period | Metric | JPM | WFC |
|---|---|---|---|
| 1Y | Growth | +18.71% | +9.98% |
| CAGR | +18.74% | +10.00% | |
| Sharpe ratio | 0.69 | 0.32 | |
| Max drawdown | 15.47% | 23.83% | |
| Max daily drop | 4.66% | 5.70% | |
| Max wkly drop | 7.09% | 8.74% | |
| 5Y | Growth | +140.63% | +109.63% |
| CAGR | +19.23% | +15.98% | |
| Sharpe ratio | 0.66 | 0.50 | |
| Max drawdown | 38.77% | 37.10% | |
| Max daily drop | 7.48% | 9.12% | |
| Max wkly drop | 13.76% | 17.68% | |
| 10Y | Growth | +567.38% | +126.23% |
| CAGR | +20.92% | +8.51% | |
| Sharpe ratio | 0.67 | 0.28 | |
| Max drawdown | 43.63% | 64.46% | |
| Max daily drop | 14.96% | 15.87% | |
| Max wkly drop | 23.11% | 30.08% |
Business comparison
| Category | JPM | WFC |
|---|---|---|
| Company | JPMorgan Chase & Co. | Wells Fargo & Company |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Banks - Diversified |
| Core business | JPMorgan Chase is the largest US bank by assets and one of the most diversified financial institutions globally. JPMorgan's four business segments — Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and Asset & Wealth Management (AWM) — provide comprehensive financial services across retail, institutional, and wealth markets. Jamie Dimon's 18-year tenure has made JPMorgan the gold standard of US banking — consistently growing market share across consumer, business, and institutional banking while maintaining exceptional capital discipline. | Wells Fargo is the fourth-largest US bank by assets and the largest US home mortgage lender historically. Wells Fargo has been in regulatory recovery mode since the 2016 fake accounts scandal — the Fed imposed a $1.95 trillion asset cap that limits Wells Fargo's ability to grow deposits and loans. CEO Charlie Scharf has been rebuilding Wells Fargo's culture and controls framework since 2019. The Fed's asset cap is expected to be lifted in 2024–2025 as Wells Fargo demonstrates sufficient remediation — a potential catalyst for growth once Wells Fargo can expand its balance sheet. |
| Investor focus | Investors track net interest income (NII) from consumer and commercial loans, CIB investment banking revenue, credit card spending and delinquency rates, and capital return capacity. | Investors track asset cap removal timeline and regulatory relationship improvement, net interest income from commercial and consumer lending, efficiency ratio improvement, and return on equity recovery toward peer levels. |
JPM strengths
- →Best-run US megabank: Jamie Dimon's JPMorgan has consistently outperformed banking peers through cycles — gaining market share in credit cards, investment banking, and consumer deposits
- →Comprehensive business model: JPMorgan serves consumers (Chase), businesses (commercial banking), institutions (investment banking), and high-net-worth clients (wealth management) — reducing single-segment concentration
- →First Republic acquisition added high-end consumer relationships: JPMorgan's acquisition of the failed First Republic Bank added $170B in assets and affluent deposit customers at a favorable FDIC-assisted price
WFC strengths
- →Asset cap removal is the primary catalyst: once the Fed lifts the $1.95T cap, Wells Fargo can grow its balance sheet to compete with JPMorgan and Bank of America — expanding NII and fee income
- →Cost efficiency improvement under Charlie Scharf has reduced Wells Fargo's expense base — the efficiency ratio improvement is creating operating leverage even within the asset cap constraint
- →Consumer and commercial banking franchise is still strong: Wells Fargo's branch network, ATM presence, and retail banking brand remained trusted despite the fake accounts scandal
Risks to watch — JPM
- →Asset cap at maximum scale: as the largest US bank, JPMorgan is subject to highest-tier systemic regulation — GSIB surcharge requirements limit capital return capacity vs smaller peers
- →Net interest income normalization: as the rate cycle turns, NII from consumer deposits and loans will compress — JPMorgan's earnings are partially rate-cycle dependent
- →Credit quality in consumer portfolios: JPMorgan's largest segment is consumer banking — consumer credit cycle deterioration creates loan loss provisions
Risks to watch — WFC
- →Asset cap removal timing is uncertain — continued regulatory scrutiny could delay the cap removal beyond current expectations, limiting Wells Fargo's competitive capacity
- →Mortgage market sensitivity: Wells Fargo remains more sensitive to mortgage market conditions than diversified peers — when mortgage originations decline, Wells Fargo's revenue is disproportionately affected
- →Commercial real estate office exposure: Wells Fargo's commercial real estate loan portfolio includes office loans that may require elevated provisions as office market stress continues
Frequently asked questions
Free public comparison
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.
Related comparisons
More comparisons
Browse all 1,000 comparisons →