Banks - Regional
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Side-by-side financial analysisStock Comparison
AUB vs V vs KO vs JPM vs MA
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Credit Services
Beverages - Non-Alcoholic
Banks - Diversified
Financial - Credit Services
AUB vs V vs KO vs JPM vs MA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||
|---|---|---|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services | Beverages - Non-Alcoholic | Banks - Diversified | Financial - Credit Services |
| Market Cap | $5.77B | $618.49B | $355.61B | $896.00B | $433.74B |
| Revenue (TTM) | $2.02B | $43.03B | $49.28B | $280.33B | $33.94B |
| Net Income (TTM) | $274M | $22.24B | $13.70B | $57.05B | $15.57B |
| Gross Margin | 60.9% | 81.3% | 61.7% | 60.0% | 83.0% |
| Operating Margin | 16.8% | 61.1% | 29.3% | 25.9% | 59.4% |
| Forward P/E | 10.8x | 24.5x | 25.3x | 14.4x | 24.9x |
| Total Debt | $1.50B | $25.17B | $45.49B | $942.38B | $19.00B |
| Cash & Equiv. | $234M | $20.15B | $10.27B | $343.34B | $10.57B |
AUB vs V vs KO vs JPM vs MA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Atlantic Union Bank… (AUB) | 100 | 174.0 | +74.0% |
| Visa Inc. (V) | 100 | 166.9 | +66.9% |
| The Coca-Cola Compa… (KO) | 100 | 184.9 | +84.9% |
| JPMorgan Chase & Co. (JPM) | 100 | 341.0 | +241.0% |
| Mastercard Incorpor… (MA) | 100 | 165.7 | +65.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AUB vs V vs KO vs JPM vs MA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
AUB carries the broadest edge in this set and is the clearest fit for income & stability and defensive.
- Dividend streak 15 yrs, beta 1.11, yield 3.7%
- Beta 1.11, yield 3.7%, current ratio 6.81x
- NIM 3.1% vs JPM's 2.2%
- 28.2% NII/revenue growth vs KO's 1.9%
V ranks third and is worth considering specifically for sleep-well-at-night.
- Lower volatility, beta 0.54, Low D/E 66.4%, current ratio 1.08x
- 51.7% margin vs AUB's 13.5%
KO lags the leaders in this set but could rank higher in a more targeted comparison.
JPM is the clearest fit if your priority is long-term compounding and valuation efficiency.
- 465.8% 10Y total return vs MA's 440.0%
- PEG 0.81 vs AUB's 10.65
MA is the #2 pick in this set and the best alternative if growth exposure is your priority.
- Rev growth 16.4%, EPS growth 18.9%
- Beta 0.49 vs AUB's 1.11
- 29.5% ROA vs AUB's 0.8%, ROIC 56.5% vs 5.0%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 28.2% NII/revenue growth vs KO's 1.9% | |
| Value | Lower P/E (10.8x vs 24.9x) | |
| Quality / Margins | 51.7% margin vs AUB's 13.5% | |
| Stability / Safety | Beta 0.49 vs AUB's 1.11 | |
| Dividends | 3.7% yield, 15-year raise streak, vs KO's 2.5% | |
| Momentum (1Y) | +32.5% vs MA's -16.3% | |
| Efficiency (ROA) | 29.5% ROA vs AUB's 0.8%, ROIC 56.5% vs 5.0% |
AUB vs V vs KO vs JPM vs MA — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
AUB vs V vs KO vs JPM vs MA — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
JPM leads in 2 of 6 categories
V leads 1 • MA leads 1 • KO leads 1 • AUB leads 0 • 1 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
V leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
JPM is the larger business by revenue, generating $280.3B annually — 138.6x AUB's $2.0B. V is the more profitable business, keeping 51.7% of every revenue dollar as net income compared to AUB's 13.5%.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $2.0B | $43.0B | $49.3B | $280.3B | $33.9B |
| EBITDAEarnings before interest/tax | $397M | $27.6B | $15.5B | $81.4B | $21.6B |
| Net IncomeAfter-tax profit | $274M | $22.2B | $13.7B | $57.0B | $15.6B |
| Free Cash FlowCash after capex | $2.2B | $21.2B | $12.6B | $100.9B | $17.7B |
| Gross MarginGross profit ÷ Revenue | +60.9% | +81.3% | +61.7% | +60.0% | +83.0% |
| Operating MarginEBIT ÷ Revenue | +16.8% | +61.1% | +29.3% | +25.9% | +59.4% |
| Net MarginNet income ÷ Revenue | +13.5% | +51.7% | +27.8% | +20.4% | +45.9% |
| FCF MarginFCF ÷ Revenue | +109.7% | +49.2% | +25.5% | +36.0% | +52.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | +12.1% | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +28.3% | +35.3% | +18.2% | +16.0% | +21.2% |
Valuation Metrics
JPM leads this category, winning 5 of 7 comparable metrics.
Valuation Metrics
At 16.0x trailing earnings, JPM trades at a 49% valuation discount to V's 31.6x P/E. Adjusting for growth (PEG ratio), JPM offers better value at 0.90x vs AUB's 19.55x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $5.8B | $618.5B | $355.6B | $896.0B | $433.7B |
| Enterprise ValueMkt cap + debt − cash | $7.0B | $623.5B | $390.8B | $1.50T | $442.2B |
| Trailing P/EPrice ÷ TTM EPS | 19.85x | 31.61x | 27.18x | 16.00x | 29.66x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.82x | 24.51x | 25.27x | 14.40x | 24.90x |
| PEG RatioP/E ÷ EPS growth rate | 19.55x | 2.00x | 2.43x | 0.90x | 1.41x |
| EV / EBITDAEnterprise value multiple | 19.81x | 24.73x | 26.39x | 18.36x | 21.52x |
| Price / SalesMarket cap ÷ Revenue | 3.34x | 15.46x | 7.42x | 3.20x | 13.23x |
| Price / BookPrice ÷ Book value/share | 1.04x | 16.72x | 10.40x | 2.47x | 56.80x |
| Price / FCFMarket cap ÷ FCF | 67.48x | 28.66x | 67.15x | 8.88x | 25.65x |
Profitability & Efficiency
MA leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
MA delivers a 2.1% return on equity — every $100 of shareholder capital generates $2 in annual profit, vs $6 for AUB. AUB carries lower financial leverage with a 0.30x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.60x. On the Piotroski fundamental quality scale (0–9), MA scores 9/9 vs AUB's 3/9, reflecting strong financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +6.1% | +58.9% | +41.1% | +15.9% | +2.1% |
| ROA (TTM)Return on assets | +0.8% | +22.7% | +13.1% | +1.3% | +29.5% |
| ROICReturn on invested capital | +5.0% | +29.2% | +15.8% | +4.5% | +56.5% |
| ROCEReturn on capital employed | +1.6% | +36.2% | +17.3% | +8.9% | +64.4% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 5 | 7 | 5 | 9 |
| Debt / EquityFinancial leverage | 0.30x | 0.66x | 1.33x | 2.60x | 2.45x |
| Net DebtTotal debt minus cash | $1.3B | $5.0B | $35.2B | $599.0B | $8.4B |
| Cash & Equiv.Liquid assets | $234M | $20.2B | $10.3B | $343.3B | $10.6B |
| Total DebtShort + long-term debt | $1.5B | $25.2B | $45.5B | $942.4B | $19.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.51x | 26.72x | 10.70x | 0.74x | 27.23x |
Total Returns (Dividends Reinvested)
JPM leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in JPM five years ago would be worth $21,820 today (with dividends reinvested), compared to $12,094 for AUB. Over the past 12 months, AUB leads with a +32.5% total return vs MA's -16.3%. The 3-year compound annual growth rate (CAGR) favors JPM at 33.6% vs MA's 9.9% — a key indicator of consistent wealth creation.
| Metric | |||||
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +15.5% | -6.6% | +20.3% | -0.5% | -12.7% |
| 1-Year ReturnPast 12 months | +32.5% | -12.5% | +17.2% | +21.8% | -16.3% |
| 3-Year ReturnCumulative with dividends | +55.3% | +45.6% | +47.0% | +138.2% | +32.8% |
| 5-Year ReturnCumulative with dividends | +20.9% | +42.0% | +65.6% | +118.2% | +37.1% |
| 10-Year ReturnCumulative with dividends | +95.1% | +330.2% | +121.1% | +465.8% | +440.0% |
| CAGR (3Y)Annualised 3-year return | +15.8% | +13.3% | +13.7% | +33.6% | +9.9% |
Risk & Volatility
KO leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
KO is the less volatile stock with a -0.20 beta — it tends to amplify market swings less than AUB's 1.11 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. KO currently trades 98.3% from its 52-week high vs MA's 81.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||||
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.11x | 0.54x | -0.20x | 0.94x | 0.49x |
| 52-Week HighHighest price in past year | $42.18 | $374.17 | $84.04 | $337.25 | $601.77 |
| 52-Week LowLowest price in past year | $29.64 | $293.89 | $65.35 | $262.71 | $464.52 |
| % of 52W HighCurrent price vs 52-week peak | +95.5% | +86.2% | +98.3% | +95.1% | +81.4% |
| RSI (14)Momentum oscillator 0–100 | 62.9 | 46.9 | 60.6 | 59.1 | 45.8 |
| Avg Volume (50D)Average daily shares traded | 878K | 6.4M | 12.7M | 7.0M | 3.1M |
Analyst Outlook
Evenly matched — AUB and KO each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: AUB as "Buy", V as "Buy", KO as "Buy", JPM as "Buy", MA as "Buy". Consensus price targets imply 34.8% upside for MA (target: $660) vs 4.2% for KO (target: $86). For income investors, AUB offers the higher dividend yield at 3.69% vs MA's 0.63%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | $45.50 | $368.91 | $86.13 | $339.75 | $660.43 |
| # AnalystsCovering analysts | 18 | 61 | 48 | 61 | 64 |
| Dividend YieldAnnual dividend ÷ price | +3.7% | +0.7% | +2.5% | +1.9% | +0.6% |
| Dividend StreakConsecutive years of raises | 15 | 18 | 56 | 15 | 14 |
| Dividend / ShareAnnual DPS | $1.49 | $2.36 | $2.04 | $5.95 | $3.07 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.2% | +0.2% | +3.9% | +2.7% |
JPM leads in 2 of 6 categories (Valuation Metrics, Total Returns). V leads in 1 (Income & Cash Flow). 1 tied.
AUB vs V vs KO vs JPM vs MA: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is AUB or V or KO or JPM or MA a better buy right now?
For growth investors, Atlantic Union Bankshares Corporation (AUB) is the stronger pick with 28.
2% revenue growth year-over-year, versus 1. 9% for The Coca-Cola Company (KO). JPMorgan Chase & Co. (JPM) offers the better valuation at 16. 0x trailing P/E (14. 4x forward), making it the more compelling value choice. Analysts rate Atlantic Union Bankshares Corporation (AUB) a "Buy" — based on 18 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AUB or V or KO or JPM or MA?
On trailing P/E, JPMorgan Chase & Co.
(JPM) is the cheapest at 16. 0x versus Visa Inc. at 31. 6x. On forward P/E, Atlantic Union Bankshares Corporation is actually cheaper at 10. 8x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: JPMorgan Chase & Co. wins at 0. 81x versus Atlantic Union Bankshares Corporation's 10. 65x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — AUB or V or KO or JPM or MA?
Over the past 5 years, JPMorgan Chase & Co.
(JPM) delivered a total return of +118. 2%, compared to +20. 9% for Atlantic Union Bankshares Corporation (AUB). Over 10 years, the gap is even starker: JPM returned +465. 8% versus AUB's +95. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AUB or V or KO or JPM or MA?
By beta (market sensitivity over 5 years), The Coca-Cola Company (KO) is the lower-risk stock at -0.
20β versus Atlantic Union Bankshares Corporation's 1. 11β — meaning AUB is approximately -653% more volatile than KO relative to the S&P 500. On balance sheet safety, Atlantic Union Bankshares Corporation (AUB) carries a lower debt/equity ratio of 30% versus 3% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which is growing faster — AUB or V or KO or JPM or MA?
By revenue growth (latest reported year), Atlantic Union Bankshares Corporation (AUB) is pulling ahead at 28.
2% versus 1. 9% for The Coca-Cola Company (KO). On earnings-per-share growth, the picture is similar: The Coca-Cola Company grew EPS 23. 6% year-over-year, compared to -9. 4% for Atlantic Union Bankshares Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AUB or V or KO or JPM or MA?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 15. 9% for Atlantic Union Bankshares Corporation — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 19. 5% for AUB. At the gross margin level — before operating expenses — MA leads at 83. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is AUB or V or KO or JPM or MA more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, JPMorgan Chase & Co. (JPM) is the more undervalued stock at a PEG of 0. 81x versus Atlantic Union Bankshares Corporation's 10. 65x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Atlantic Union Bankshares Corporation (AUB) trades at 10. 8x forward P/E versus 25. 3x for The Coca-Cola Company — 14. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for MA: 34. 8% to $660. 43.
08Which pays a better dividend — AUB or V or KO or JPM or MA?
All stocks in this comparison pay dividends.
Atlantic Union Bankshares Corporation (AUB) offers the highest yield at 3. 7%, versus 0. 6% for Mastercard Incorporated (MA).
09Is AUB or V or KO or JPM or MA better for a retirement portfolio?
For long-horizon retirement investors, The Coca-Cola Company (KO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.
20), 2. 5% yield, +121. 1% 10Y return). Both have compounded well over 10 years (KO: +121. 1%, AUB: +95. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between AUB and V and KO and JPM and MA?
These companies operate in different sectors (AUB (Financial Services) and V (Financial Services) and KO (Consumer Defensive) and JPM (Financial Services) and MA (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: AUB is a small-cap high-growth stock; V is a large-cap quality compounder stock; KO is a large-cap quality compounder stock; JPM is a large-cap deep-value stock; MA is a large-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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