Banks - Regional
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Side-by-side financial analysisStock Comparison
LSBK vs ICE vs FIS vs CME vs JKHY vs KO vs JPM
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Data & Stock Exchanges
Information Technology Services
Financial - Data & Stock Exchanges
Information Technology Services
Beverages - Non-Alcoholic
Banks - Diversified
LSBK vs ICE vs FIS vs CME vs JKHY vs KO vs JPM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||||
|---|---|---|---|---|---|---|---|
| Industry | Banks - Regional | Financial - Data & Stock Exchanges | Information Technology Services | Financial - Data & Stock Exchanges | Information Technology Services | Beverages - Non-Alcoholic | Banks - Diversified |
| Market Cap | $137M | $75.83B | $19.75B | $89.39B | $9.14B | $341.71B | $908.57B |
| Revenue (TTM) | $40M | $12.64B | $11.66B | $6.76B | $2.52B | $49.28B | $280.33B |
| Net Income (TTM) | $7M | $3.30B | $2.67B | $4.24B | $519M | $13.70B | $57.05B |
| Gross Margin | 70.9% | 61.9% | 37.6% | 86.3% | 44.1% | 61.7% | 60.0% |
| Operating Margin | 22.1% | 38.7% | 17.9% | 65.6% | 26.0% | 29.3% | 25.9% |
| Forward P/E | 18.1x | 16.5x | 6.1x | 20.1x | 18.4x | 24.3x | 14.6x |
| Total Debt | $1M | $20.28B | $4.01B | $3.76B | $0.00 | $45.49B | $942.38B |
| Cash & Equiv. | $64M | $837M | $599M | $4.42B | $102M | $10.27B | $343.34B |
LSBK vs ICE vs FIS vs CME vs JKHY vs KO vs JPM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Lake Shore Bancorp,… (LSBK) | 100 | 192.3 | +92.3% |
| Intercontinental Ex… (ICE) | 100 | 146.2 | +46.2% |
| Fidelity National I… (FIS) | 100 | 28.5 | -71.5% |
| CME Group Inc. (CME) | 100 | 151.6 | +51.6% |
| Jack Henry & Associ… (JKHY) | 100 | 68.6 | -31.4% |
| The Coca-Cola Compa… (KO) | 100 | 177.7 | +77.7% |
| JPMorgan Chase & Co. (JPM) | 100 | 345.8 | +245.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LSBK vs ICE vs FIS vs CME vs JKHY vs KO vs JPM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
LSBK ranks third and is worth considering specifically for sleep-well-at-night and bank quality.
- Lower volatility, beta 0.27, Low D/E 0.9%, current ratio 200.88x
- NIM 3.4% vs JPM's 2.2%
- +53.1% vs FIS's -50.4%
ICE is the clearest fit if your priority is growth.
- 7.5% NII/revenue growth vs KO's 1.9%
FIS is the clearest fit if your priority is valuation efficiency.
- PEG 0.25 vs KO's 2.17
- Lower P/E (6.1x vs 14.6x), PEG 0.25 vs 0.83
CME has the current edge in this matchup, primarily because of its strength in quality and dividends.
- 62.8% margin vs LSBK's 18.4%
- 4.4% yield, 15-year raise streak, vs KO's 2.6%
JKHY is the #2 pick in this set and the best alternative if income & stability and growth exposure is your priority.
- Dividend streak 22 yrs, beta 0.16, yield 1.8%
- Rev growth 7.2%, EPS growth 19.3%, 3Y rev CAGR 6.9%
- Beta 0.16, yield 1.8%, current ratio 1.27x
- Beta 0.16 vs JPM's 0.87
- 17.0% ROA vs LSBK's 1.0%, ROIC 21.0% vs 5.4%
KO doesn't hold a clear category lead here; it's more of a secondary option in this specific comparison.
JPM is the clearest fit if your priority is long-term compounding.
- 481.2% 10Y total return vs CME's 242.5%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 7.5% NII/revenue growth vs KO's 1.9% | |
| Value | Lower P/E (6.1x vs 14.6x), PEG 0.25 vs 0.83 | |
| Quality / Margins | 62.8% margin vs LSBK's 18.4% | |
| Stability / Safety | Beta 0.16 vs JPM's 0.87 | |
| Dividends | 4.4% yield, 15-year raise streak, vs KO's 2.6% | |
| Momentum (1Y) | +53.1% vs FIS's -50.4% | |
| Efficiency (ROA) | 17.0% ROA vs LSBK's 1.0%, ROIC 21.0% vs 5.4% |
LSBK vs ICE vs FIS vs CME vs JKHY vs KO vs JPM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
LSBK vs ICE vs FIS vs CME vs JKHY vs KO vs JPM — Financial Metrics
Side-by-side numbers across 7 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
CME leads in 1 of 6 categories
FIS leads 1 • JKHY leads 1 • JPM leads 1 • LSBK leads 0 • ICE leads 0 • KO leads 0 • 2 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
CME leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
JPM is the larger business by revenue, generating $280.3B annually — 7087.3x LSBK's $40M. CME is the more profitable business, keeping 62.8% of every revenue dollar as net income compared to LSBK's 18.4%. On growth, FIS holds the edge at +30.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | |||||||
|---|---|---|---|---|---|---|---|
| RevenueTrailing 12 months | $40M | $12.6B | $11.7B | $6.8B | $2.5B | $49.3B | $280.3B |
| EBITDAEarnings before interest/tax | $9M | $6.5B | $4.1B | $4.7B | $810M | $15.5B | $81.4B |
| Net IncomeAfter-tax profit | $7M | $3.3B | $2.7B | $4.2B | $519M | $13.7B | $57.0B |
| Free Cash FlowCash after capex | $7M | $4.3B | $2.8B | $4.4B | $728M | $12.6B | $100.9B |
| Gross MarginGross profit ÷ Revenue | +70.9% | +61.9% | +37.6% | +86.3% | +44.1% | +61.7% | +60.0% |
| Operating MarginEBIT ÷ Revenue | +22.1% | +38.7% | +17.9% | +65.6% | +26.0% | +29.3% | +25.9% |
| Net MarginNet income ÷ Revenue | +18.4% | +26.1% | +22.9% | +62.8% | +20.6% | +27.8% | +20.4% |
| FCF MarginFCF ÷ Revenue | +18.8% | +33.9% | +23.9% | +64.4% | +28.9% | +25.5% | +36.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | +30.1% | — | +8.7% | +12.1% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +36.8% | +23.1% | +30.6% | +21.4% | +12.5% | +18.2% | +16.0% |
Valuation Metrics
FIS leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 16.2x trailing earnings, JPM trades at a 68% valuation discount to FIS's 50.9x P/E. Adjusting for growth (PEG ratio), JPM offers better value at 0.92x vs ICE's 2.61x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | |||||||
|---|---|---|---|---|---|---|---|
| Market CapShares × price | $137M | $75.8B | $19.7B | $89.4B | $9.1B | $341.7B | $908.6B |
| Enterprise ValueMkt cap + debt − cash | $74M | $95.3B | $23.2B | $88.7B | $9.0B | $376.9B | $1.51T |
| Trailing P/EPrice ÷ TTM EPS | 18.13x | 23.20x | 50.95x | 22.08x | 20.23x | 26.12x | 16.22x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 16.52x | 6.09x | 20.09x | 18.43x | 24.27x | 14.60x |
| PEG RatioP/E ÷ EPS growth rate | 1.59x | 2.61x | 2.09x | 1.61x | 2.01x | 2.34x | 0.92x |
| EV / EBITDAEnterprise value multiple | 8.02x | 14.76x | 6.36x | 19.70x | 11.68x | 25.45x | 18.52x |
| Price / SalesMarket cap ÷ Revenue | 3.46x | 6.00x | 1.85x | 13.71x | 3.85x | 7.13x | 3.25x |
| Price / BookPrice ÷ Book value/share | 0.91x | 2.64x | 1.43x | 3.09x | 4.33x | 9.99x | 2.51x |
| Price / FCFMarket cap ÷ FCF | 18.40x | 17.68x | 7.03x | 21.32x | 15.53x | 64.52x | 9.01x |
Profitability & Efficiency
JKHY leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
KO delivers a 41.1% return on equity — every $100 of shareholder capital generates $41 in annual profit, vs $6 for LSBK. LSBK carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.60x. On the Piotroski fundamental quality scale (0–9), ICE scores 9/9 vs JPM's 5/9, reflecting strong financial health.
| Metric | |||||||
|---|---|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +6.3% | +11.6% | +18.4% | +15.3% | +24.0% | +41.1% | +15.9% |
| ROA (TTM)Return on assets | +1.0% | +2.3% | +7.5% | +2.2% | +17.0% | +13.1% | +1.3% |
| ROICReturn on invested capital | +5.4% | +7.5% | +6.0% | +10.2% | +21.0% | +15.8% | +4.5% |
| ROCEReturn on capital employed | +2.1% | +9.5% | +6.6% | +3.6% | +22.7% | +17.3% | +8.9% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 9 | 6 | 5 | 6 | 7 | 5 |
| Debt / EquityFinancial leverage | 0.01x | 0.70x | 0.29x | 0.13x | — | 1.33x | 2.60x |
| Net DebtTotal debt minus cash | -$63M | $19.4B | $3.4B | -$666M | -$102M | $35.2B | $599.0B |
| Cash & Equiv.Liquid assets | $64M | $837M | $599M | $4.4B | $102M | $10.3B | $343.3B |
| Total DebtShort + long-term debt | $1M | $20.3B | $4.0B | $3.8B | $0 | $45.5B | $942.4B |
| Interest CoverageEBIT ÷ Interest expense | 0.75x | 6.53x | 21.16x | 41.55x | 122.37x | 10.70x | 0.74x |
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 $23,548 today (with dividends reinvested), compared to $3,259 for FIS. Over the past 12 months, LSBK leads with a +53.1% total return vs FIS's -50.4%. The 3-year compound annual growth rate (CAGR) favors JPM at 33.7% vs FIS's -7.6% — a key indicator of consistent wealth creation.
| Metric | |||||||
|---|---|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +19.7% | -15.7% | -40.4% | -5.4% | -28.5% | +16.4% | +0.8% |
| 1-Year ReturnPast 12 months | +53.1% | -24.4% | -50.4% | -5.3% | -29.1% | +17.7% | +20.9% |
| 3-Year ReturnCumulative with dividends | +123.3% | +24.3% | -21.0% | +52.2% | -18.8% | +39.3% | +138.8% |
| 5-Year ReturnCumulative with dividends | +67.1% | +26.4% | -67.4% | +39.4% | -16.8% | +65.3% | +135.5% |
| 10-Year ReturnCumulative with dividends | +111.6% | +192.5% | -26.7% | +242.5% | +72.7% | +115.0% | +481.2% |
| CAGR (3Y)Annualised 3-year return | +30.7% | +7.5% | -7.6% | +15.0% | -6.7% | +11.7% | +33.7% |
Risk & Volatility
Evenly matched — LSBK and CME each lead in 1 of 2 comparable metrics.
Risk & Volatility
CME is the less volatile stock with a -0.26 beta — it tends to amplify market swings less than JPM's 0.87 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. LSBK currently trades 100.0% from its 52-week high vs FIS's 46.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||||||
|---|---|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.27x | 0.37x | 0.58x | -0.26x | 0.15x | -0.24x | 0.87x |
| 52-Week HighHighest price in past year | $17.40 | $189.35 | $82.74 | $329.16 | $193.39 | $84.04 | $338.09 |
| 52-Week LowLowest price in past year | $8.63 | $132.84 | $37.85 | $244.56 | $122.87 | $65.35 | $269.72 |
| % of 52W HighCurrent price vs 52-week peak | +100.0% | +70.7% | +46.2% | +74.9% | +65.3% | +94.5% | +96.2% |
| RSI (14)Momentum oscillator 0–100 | 63.1 | 29.6 | 35.2 | 35.7 | 30.8 | 49.2 | 72.1 |
| Avg Volume (50D)Average daily shares traded | 9K | 3.3M | 5.7M | 2.8M | 1.3M | 13.6M | 7.4M |
Analyst Outlook
Evenly matched — CME and KO each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: ICE as "Buy", FIS as "Buy", CME as "Hold", JKHY as "Buy", KO as "Buy", JPM as "Buy". Consensus price targets imply 64.6% upside for FIS (target: $63) vs 4.5% for JPM (target: $340). For income investors, CME offers the higher dividend yield at 4.43% vs LSBK's 0.79%.
| Metric | |||||||
|---|---|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy | Buy | Hold | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | — | $194.00 | $62.88 | $320.67 | $193.75 | $86.13 | $339.75 |
| # AnalystsCovering analysts | — | 36 | 37 | 36 | 22 | 48 | 61 |
| Dividend YieldAnnual dividend ÷ price | +0.8% | +1.4% | +4.3% | +4.4% | +1.8% | +2.6% | +1.8% |
| Dividend StreakConsecutive years of raises | 0 | 13 | 1 | 15 | 22 | 56 | 15 |
| Dividend / ShareAnnual DPS | $0.14 | $1.93 | $1.63 | $10.92 | $2.25 | $2.04 | $5.95 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | +1.8% | +7.2% | +0.3% | +0.4% | +0.2% | +3.8% |
CME leads in 1 of 6 categories (Income & Cash Flow). FIS leads in 1 (Valuation Metrics). 2 tied.
LSBK vs ICE vs FIS vs CME vs JKHY vs KO vs JPM: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is LSBK or ICE or FIS or CME or JKHY or KO or JPM a better buy right now?
For growth investors, Intercontinental Exchange, Inc.
(ICE) is the stronger pick with 7. 5% revenue growth year-over-year, versus 1. 9% for The Coca-Cola Company (KO). JPMorgan Chase & Co. (JPM) offers the better valuation at 16. 2x trailing P/E (14. 6x forward), making it the more compelling value choice. Analysts rate Intercontinental Exchange, Inc. (ICE) a "Buy" — based on 36 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 — LSBK or ICE or FIS or CME or JKHY or KO or JPM?
On trailing P/E, JPMorgan Chase & Co.
(JPM) is the cheapest at 16. 2x versus Fidelity National Information Services, Inc. at 50. 9x. On forward P/E, Fidelity National Information Services, Inc. is actually cheaper at 6. 1x — 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: Fidelity National Information Services, Inc. wins at 0. 25x versus The Coca-Cola Company's 2. 17x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — LSBK or ICE or FIS or CME or JKHY or KO or JPM?
Over the past 5 years, JPMorgan Chase & Co.
(JPM) delivered a total return of +135. 5%, compared to -67. 4% for Fidelity National Information Services, Inc. (FIS). Over 10 years, the gap is even starker: JPM returned +481. 2% versus FIS's -26. 7%. 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 — LSBK or ICE or FIS or CME or JKHY or KO or JPM?
By beta (market sensitivity over 5 years), CME Group Inc.
(CME) is the lower-risk stock at -0. 26β versus JPMorgan Chase & Co. 's 0. 87β — meaning JPM is approximately -440% more volatile than CME relative to the S&P 500. On balance sheet safety, Lake Shore Bancorp, Inc. (LSBK) carries a lower debt/equity ratio of 1% versus 3% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which is growing faster — LSBK or ICE or FIS or CME or JKHY or KO or JPM?
By revenue growth (latest reported year), Intercontinental Exchange, Inc.
(ICE) is pulling ahead at 7. 5% versus 1. 9% for The Coca-Cola Company (KO). On earnings-per-share growth, the picture is similar: Lake Shore Bancorp, Inc. grew EPS 47. 7% year-over-year, compared to -47. 2% for Fidelity National Information Services, Inc.. Over a 3-year CAGR, JKHY leads at 6. 9% annualised revenue growth. 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 — LSBK or ICE or FIS or CME or JKHY or KO or JPM?
CME Group Inc.
(CME) is the more profitable company, earning 62. 0% net margin versus 3. 6% for Fidelity National Information Services, Inc. — meaning it keeps 62. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CME leads at 64. 9% versus 16. 5% for FIS. At the gross margin level — before operating expenses — CME leads at 86. 1%, 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 LSBK or ICE or FIS or CME or JKHY or KO or JPM 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, Fidelity National Information Services, Inc. (FIS) is the more undervalued stock at a PEG of 0. 25x versus The Coca-Cola Company's 2. 17x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Fidelity National Information Services, Inc. (FIS) trades at 6. 1x forward P/E versus 24. 3x for The Coca-Cola Company — 18. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FIS: 64. 6% to $62. 88.
08Which pays a better dividend — LSBK or ICE or FIS or CME or JKHY or KO or JPM?
All stocks in this comparison pay dividends.
CME Group Inc. (CME) offers the highest yield at 4. 4%, versus 0. 8% for Lake Shore Bancorp, Inc. (LSBK).
09Is LSBK or ICE or FIS or CME or JKHY or KO or JPM better for a retirement portfolio?
For long-horizon retirement investors, CME Group Inc.
(CME) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0. 26), 4. 4% yield, +242. 5% 10Y return). Both have compounded well over 10 years (CME: +242. 5%, FIS: -26. 7%), 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 LSBK and ICE and FIS and CME and JKHY and KO and JPM?
These companies operate in different sectors (LSBK (Financial Services) and ICE (Financial Services) and FIS (Technology) and CME (Financial Services) and JKHY (Technology) and KO (Consumer Defensive) and JPM (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: LSBK is a small-cap quality compounder stock; ICE is a mid-cap quality compounder stock; FIS is a mid-cap income-oriented stock; CME is a mid-cap income-oriented stock; JKHY is a small-cap quality compounder stock; KO is a large-cap quality compounder stock; JPM is a large-cap deep-value 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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