Banks - Regional
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Side-by-side financial analysisStock Comparison
VABK vs MNSB vs JPM vs KO vs FIS
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
Banks - Diversified
Beverages - Non-Alcoholic
Information Technology Services
VABK vs MNSB vs JPM vs KO vs FIS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||
|---|---|---|---|---|---|
| Industry | Banks - Regional | Banks - Regional | Banks - Diversified | Beverages - Non-Alcoholic | Information Technology Services |
| Market Cap | $244M | $184M | $896.00B | $355.61B | $20.26B |
| Revenue (TTM) | $83M | $135M | $280.33B | $49.28B | $11.66B |
| Net Income (TTM) | $19M | $16M | $57.05B | $13.70B | $2.67B |
| Gross Margin | 69.0% | 54.3% | 60.0% | 61.7% | 37.6% |
| Operating Margin | 28.9% | 14.1% | 25.9% | 29.3% | 17.9% |
| Forward P/E | 12.7x | 11.0x | 14.4x | 25.3x | 6.2x |
| Total Debt | $30M | $70M | $942.38B | $45.49B | $4.01B |
| Cash & Equiv. | $6M | $26M | $343.34B | $10.27B | $599M |
VABK vs MNSB vs JPM vs KO vs FIS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Virginia National B… (VABK) | 100 | 178.2 | +78.2% |
| MainStreet Bancshar… (MNSB) | 100 | 188.9 | +88.9% |
| JPMorgan Chase & Co. (JPM) | 100 | 341.0 | +241.0% |
| The Coca-Cola Compa… (KO) | 100 | 184.9 | +84.9% |
| Fidelity National I… (FIS) | 100 | 29.2 | -70.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: VABK vs MNSB vs JPM vs KO vs FIS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
VABK ranks third and is worth considering specifically for income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.48, yield 3.1%
- Lower volatility, beta 0.48, Low D/E 16.2%, current ratio 3.53x
- Beta 0.48, yield 3.1%, current ratio 3.53x
- Beta 0.48 vs JPM's 0.94, lower leverage
MNSB is the clearest fit if your priority is bank quality.
- NIM 3.1% vs JPM's 2.2%
- +37.2% vs FIS's -49.4%
JPM is the clearest fit if your priority is long-term compounding.
- 465.8% 10Y total return vs VABK's 146.5%
KO is the #2 pick in this set and the best alternative if growth exposure is your priority.
- Rev growth 1.9%, EPS growth 23.6%, 3Y rev CAGR 3.7%
- 27.8% margin vs MNSB's 11.5%
- 13.1% ROA vs MNSB's 0.7%, ROIC 15.8% vs 5.0%
FIS carries the broadest edge in this set and is the clearest fit for valuation efficiency.
- PEG 0.26 vs VABK's 3.36
- 5.4% revenue growth vs MNSB's -1.4%
- Lower P/E (6.2x vs 25.3x), PEG 0.26 vs 2.26
- 4.2% yield, 1-year raise streak, vs KO's 2.5%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 5.4% revenue growth vs MNSB's -1.4% | |
| Value | Lower P/E (6.2x vs 25.3x), PEG 0.26 vs 2.26 | |
| Quality / Margins | 27.8% margin vs MNSB's 11.5% | |
| Stability / Safety | Beta 0.48 vs JPM's 0.94, lower leverage | |
| Dividends | 4.2% yield, 1-year raise streak, vs KO's 2.5% | |
| Momentum (1Y) | +37.2% vs FIS's -49.4% | |
| Efficiency (ROA) | 13.1% ROA vs MNSB's 0.7%, ROIC 15.8% vs 5.0% |
VABK vs MNSB vs JPM vs KO vs FIS — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
VABK vs MNSB vs JPM vs KO vs FIS — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
FIS leads in 1 of 6 categories
KO leads 1 • JPM leads 1 • VABK leads 0 • MNSB leads 0 • 3 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
Evenly matched — KO and FIS each lead in 2 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
JPM is the larger business by revenue, generating $280.3B annually — 3363.8x VABK's $83M. KO is the more profitable business, keeping 27.8% of every revenue dollar as net income compared to MNSB's 11.5%. On growth, FIS holds the edge at +30.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $83M | $135M | $280.3B | $49.3B | $11.7B |
| EBITDAEarnings before interest/tax | $26M | $23M | $81.4B | $15.5B | $4.1B |
| Net IncomeAfter-tax profit | $19M | $16M | $57.0B | $13.7B | $2.7B |
| Free Cash FlowCash after capex | $21M | $11M | $100.9B | $12.6B | $2.8B |
| Gross MarginGross profit ÷ Revenue | +69.0% | +54.3% | +60.0% | +61.7% | +37.6% |
| Operating MarginEBIT ÷ Revenue | +28.9% | +14.1% | +25.9% | +29.3% | +17.9% |
| Net MarginNet income ÷ Revenue | +23.1% | +11.5% | +20.4% | +27.8% | +22.9% |
| FCF MarginFCF ÷ Revenue | +24.9% | +7.9% | +36.0% | +25.5% | +23.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | +12.1% | +30.1% |
| EPS Growth (YoY)Latest quarter vs prior year | +31.0% | +120.9% | +16.0% | +18.2% | +30.6% |
Valuation Metrics
FIS leads this category, winning 3 of 7 comparable metrics.
Valuation Metrics
At 12.7x trailing earnings, VABK trades at a 76% valuation discount to FIS's 52.3x P/E. Adjusting for growth (PEG ratio), JPM offers better value at 0.90x vs VABK's 3.36x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $244M | $184M | $896.0B | $355.6B | $20.3B |
| Enterprise ValueMkt cap + debt − cash | $268M | $227M | $1.50T | $390.8B | $23.7B |
| Trailing P/EPrice ÷ TTM EPS | 12.68x | 14.16x | 16.00x | 27.18x | 52.27x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 11.03x | 14.40x | 25.27x | 6.24x |
| PEG RatioP/E ÷ EPS growth rate | 3.36x | — | 0.90x | 2.43x | 2.14x |
| EV / EBITDAEnterprise value multiple | 11.13x | 11.90x | 18.36x | 26.39x | 6.50x |
| Price / SalesMarket cap ÷ Revenue | 2.93x | 1.35x | 3.20x | 7.42x | 1.90x |
| Price / BookPrice ÷ Book value/share | 1.32x | 0.87x | 2.47x | 10.40x | 1.46x |
| Price / FCFMarket cap ÷ FCF | 11.76x | 17.26x | 8.88x | 67.15x | 7.21x |
Profitability & Efficiency
KO 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 $7 for MNSB. VABK carries lower financial leverage with a 0.16x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.60x. On the Piotroski fundamental quality scale (0–9), KO scores 7/9 vs JPM's 5/9, reflecting strong financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +11.0% | +7.3% | +15.9% | +41.1% | +18.4% |
| ROA (TTM)Return on assets | +1.2% | +0.7% | +1.3% | +13.1% | +7.5% |
| ROICReturn on invested capital | +9.0% | +5.0% | +4.5% | +15.8% | +6.0% |
| ROCEReturn on capital employed | +2.6% | +6.0% | +8.9% | +17.3% | +6.6% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 | 5 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.16x | 0.32x | 2.60x | 1.33x | 0.29x |
| Net DebtTotal debt minus cash | $24M | $43M | $599.0B | $35.2B | $3.4B |
| Cash & Equiv.Liquid assets | $6M | $26M | $343.3B | $10.3B | $599M |
| Total DebtShort + long-term debt | $30M | $70M | $942.4B | $45.5B | $4.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.94x | 0.31x | 0.74x | 10.70x | 21.16x |
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 $3,267 for FIS. Over the past 12 months, MNSB leads with a +37.2% total return vs FIS's -49.4%. The 3-year compound annual growth rate (CAGR) favors JPM at 33.6% vs FIS's -6.8% — a key indicator of consistent wealth creation.
| Metric | |||||
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +15.2% | +26.5% | -0.5% | +20.3% | -38.9% |
| 1-Year ReturnPast 12 months | +24.1% | +37.2% | +21.8% | +17.2% | -49.4% |
| 3-Year ReturnCumulative with dividends | +61.9% | +13.1% | +138.2% | +47.0% | -18.9% |
| 5-Year ReturnCumulative with dividends | +50.9% | +18.1% | +118.2% | +65.6% | -67.3% |
| 10-Year ReturnCumulative with dividends | +146.5% | +135.4% | +465.8% | +121.1% | -25.6% |
| CAGR (3Y)Annualised 3-year return | +17.4% | +4.2% | +33.6% | +13.7% | -6.8% |
Risk & Volatility
Evenly matched — MNSB and KO each lead in 1 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 JPM's 0.94 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MNSB currently trades 99.0% from its 52-week high vs FIS's 47.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||||
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.48x | 0.60x | 0.94x | -0.20x | 0.61x |
| 52-Week HighHighest price in past year | $48.58 | $25.17 | $337.25 | $84.04 | $82.74 |
| 52-Week LowLowest price in past year | $36.48 | $17.86 | $262.71 | $65.35 | $37.91 |
| % of 52W HighCurrent price vs 52-week peak | +92.6% | +99.0% | +95.1% | +98.3% | +47.4% |
| RSI (14)Momentum oscillator 0–100 | 63.0 | 65.3 | 59.1 | 60.6 | 30.8 |
| Avg Volume (50D)Average daily shares traded | 6K | 45K | 7.0M | 12.7M | 5.6M |
Analyst Outlook
Evenly matched — KO and FIS each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: MNSB as "Hold", JPM as "Buy", KO as "Buy", FIS as "Buy". Consensus price targets imply 60.4% upside for FIS (target: $63) vs 4.2% for KO (target: $86). For income investors, FIS offers the higher dividend yield at 4.16% vs MNSB's 1.60%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | — | — | $339.75 | $86.13 | $62.88 |
| # AnalystsCovering analysts | — | 1 | 61 | 48 | 37 |
| Dividend YieldAnnual dividend ÷ price | +3.1% | +1.6% | +1.9% | +2.5% | +4.2% |
| Dividend StreakConsecutive years of raises | 1 | 0 | 15 | 56 | 1 |
| Dividend / ShareAnnual DPS | $1.40 | $0.40 | $5.95 | $2.04 | $1.63 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.4% | +3.9% | +0.2% | +7.0% |
FIS leads in 1 of 6 categories (Valuation Metrics). KO leads in 1 (Profitability & Efficiency). 3 tied.
VABK vs MNSB vs JPM vs KO vs FIS: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is VABK or MNSB or JPM or KO or FIS a better buy right now?
For growth investors, Fidelity National Information Services, Inc.
(FIS) is the stronger pick with 5. 4% revenue growth year-over-year, versus -1. 4% for MainStreet Bancshares, Inc. (MNSB). Virginia National Bankshares Corporation (VABK) offers the better valuation at 12. 7x trailing P/E, making it the more compelling value choice. Analysts rate JPMorgan Chase & Co. (JPM) a "Buy" — based on 61 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 — VABK or MNSB or JPM or KO or FIS?
On trailing P/E, Virginia National Bankshares Corporation (VABK) is the cheapest at 12.
7x versus Fidelity National Information Services, Inc. at 52. 3x. On forward P/E, Fidelity National Information Services, Inc. is actually cheaper at 6. 2x — 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. 26x versus The Coca-Cola Company's 2. 26x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — VABK or MNSB or JPM or KO or FIS?
Over the past 5 years, JPMorgan Chase & Co.
(JPM) delivered a total return of +118. 2%, compared to -67. 3% for Fidelity National Information Services, Inc. (FIS). Over 10 years, the gap is even starker: JPM returned +465. 8% versus FIS's -25. 6%. 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 — VABK or MNSB or JPM or KO or FIS?
By beta (market sensitivity over 5 years), The Coca-Cola Company (KO) is the lower-risk stock at -0.
20β versus JPMorgan Chase & Co. 's 0. 94β — meaning JPM is approximately -571% more volatile than KO relative to the S&P 500. On balance sheet safety, Virginia National Bankshares Corporation (VABK) carries a lower debt/equity ratio of 16% versus 3% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which is growing faster — VABK or MNSB or JPM or KO or FIS?
By revenue growth (latest reported year), Fidelity National Information Services, Inc.
(FIS) is pulling ahead at 5. 4% versus -1. 4% for MainStreet Bancshares, Inc. (MNSB). On earnings-per-share growth, the picture is similar: MainStreet Bancshares, Inc. grew EPS 210. 0% year-over-year, compared to -47. 2% for Fidelity National Information Services, Inc.. Over a 3-year CAGR, KO leads at 3. 7% 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 — VABK or MNSB or JPM or KO or FIS?
The Coca-Cola Company (KO) is the more profitable company, earning 27.
3% net margin versus 3. 6% for Fidelity National Information Services, Inc. — meaning it keeps 27. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: VABK leads at 28. 9% versus 14. 0% for MNSB. At the gross margin level — before operating expenses — VABK leads at 69. 0%, 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 VABK or MNSB or JPM or KO or FIS 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. 26x versus The Coca-Cola Company's 2. 26x. 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. 2x forward P/E versus 25. 3x for The Coca-Cola Company — 19. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FIS: 60. 4% to $62. 88.
08Which pays a better dividend — VABK or MNSB or JPM or KO or FIS?
All stocks in this comparison pay dividends.
Fidelity National Information Services, Inc. (FIS) offers the highest yield at 4. 2%, versus 1. 6% for MainStreet Bancshares, Inc. (MNSB).
09Is VABK or MNSB or JPM or KO or FIS 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%, FIS: -25. 6%), 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 VABK and MNSB and JPM and KO and FIS?
These companies operate in different sectors (VABK (Financial Services) and MNSB (Financial Services) and JPM (Financial Services) and KO (Consumer Defensive) and FIS (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: VABK is a small-cap deep-value stock; MNSB is a small-cap deep-value stock; JPM is a large-cap deep-value stock; KO is a large-cap quality compounder stock; FIS is a mid-cap income-oriented 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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