Banks - Regional
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Side-by-side financial analysisStock Comparison
MPB vs FIS vs JPM
Revenue, margins, valuation, and 5-year total return — side by side.
Information Technology Services
Banks - Diversified
MPB vs FIS vs JPM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||
|---|---|---|---|
| Industry | Banks - Regional | Information Technology Services | Banks - Diversified |
| Market Cap | $868M | $20.26B | $896.00B |
| Revenue (TTM) | $348M | $11.66B | $280.33B |
| Net Income (TTM) | $56M | $2.67B | $57.05B |
| Gross Margin | 63.6% | 37.6% | 60.0% |
| Operating Margin | 20.5% | 17.9% | 25.9% |
| Forward P/E | 10.8x | 6.2x | 14.4x |
| Total Debt | $59M | $4.01B | $942.38B |
| Cash & Equiv. | $47M | $599M | $343.34B |
MPB vs FIS vs JPM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Mid Penn Bancorp, I… (MPB) | 100 | 185.9 | +85.9% |
| Fidelity National I… (FIS) | 100 | 29.2 | -70.8% |
| JPMorgan Chase & Co. (JPM) | 100 | 341.0 | +241.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MPB vs FIS vs JPM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
MPB is the clearest fit if your priority is growth exposure and bank quality.
- Rev growth 6.6%, EPS growth -12.1%
- NIM 3.2% vs JPM's 2.2%
- 6.6% NII/revenue growth vs JPM's 3.3%
FIS carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.61, yield 4.2%
- Lower volatility, beta 0.61, Low D/E 28.9%, current ratio 0.59x
- PEG 0.26 vs JPM's 0.81
JPM is the clearest fit if your priority is long-term compounding.
- 465.8% 10Y total return vs MPB's 164.5%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 6.6% NII/revenue growth vs JPM's 3.3% | |
| Value | Lower P/E (6.2x vs 14.4x), PEG 0.26 vs 0.81 | |
| Quality / Margins | 22.9% margin vs MPB's 16.2% | |
| Stability / Safety | Beta 0.61 vs JPM's 0.94, lower leverage | |
| Dividends | 4.2% yield, 1-year raise streak, vs JPM's 1.9% | |
| Momentum (1Y) | +31.1% vs FIS's -49.4% | |
| Efficiency (ROA) | 7.5% ROA vs MPB's 0.9%, ROIC 6.0% vs 6.8% |
MPB vs FIS vs JPM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
MPB vs FIS vs JPM — Financial Metrics
Side-by-side numbers across 3 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
Evenly matched — FIS and JPM each lead in 2 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
JPM is the larger business by revenue, generating $280.3B annually — 805.0x MPB's $348M. FIS is the more profitable business, keeping 22.9% of every revenue dollar as net income compared to MPB's 16.2%.
| Metric | |||
|---|---|---|---|
| RevenueTrailing 12 months | $348M | $11.7B | $280.3B |
| EBITDAEarnings before interest/tax | $79M | $4.1B | $81.4B |
| Net IncomeAfter-tax profit | $56M | $2.7B | $57.0B |
| Free Cash FlowCash after capex | -$31M | $2.8B | $100.9B |
| Gross MarginGross profit ÷ Revenue | +63.6% | +37.6% | +60.0% |
| Operating MarginEBIT ÷ Revenue | +20.5% | +17.9% | +25.9% |
| Net MarginNet income ÷ Revenue | +16.2% | +22.9% | +20.4% |
| FCF MarginFCF ÷ Revenue | -9.0% | +23.9% | +36.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +30.1% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +15.3% | +30.6% | +16.0% |
Valuation Metrics
FIS leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 13.4x trailing earnings, MPB trades at a 74% valuation discount to FIS's 52.3x P/E. Adjusting for growth (PEG ratio), JPM offers better value at 0.90x vs FIS's 2.14x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | |||
|---|---|---|---|
| Market CapShares × price | $868M | $20.3B | $896.0B |
| Enterprise ValueMkt cap + debt − cash | $881M | $23.7B | $1.50T |
| Trailing P/EPrice ÷ TTM EPS | 13.44x | 52.27x | 16.00x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.81x | 6.24x | 14.40x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.14x | 0.90x |
| EV / EBITDAEnterprise value multiple | 11.38x | 6.50x | 18.36x |
| Price / SalesMarket cap ÷ Revenue | 2.66x | 1.90x | 3.20x |
| Price / BookPrice ÷ Book value/share | 0.97x | 1.46x | 2.47x |
| Price / FCFMarket cap ÷ FCF | 13.28x | 7.21x | 8.88x |
Profitability & Efficiency
MPB leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
FIS delivers a 18.4% return on equity — every $100 of shareholder capital generates $18 in annual profit, vs $7 for MPB. MPB carries lower financial leverage with a 0.07x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.60x. On the Piotroski fundamental quality scale (0–9), MPB scores 6/9 vs JPM's 5/9, reflecting solid financial health.
| Metric | |||
|---|---|---|---|
| ROE (TTM)Return on equity | +7.4% | +18.4% | +15.9% |
| ROA (TTM)Return on assets | +0.9% | +7.5% | +1.3% |
| ROICReturn on invested capital | +6.8% | +6.0% | +4.5% |
| ROCEReturn on capital employed | +8.8% | +6.6% | +8.9% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.07x | 0.29x | 2.60x |
| Net DebtTotal debt minus cash | $13M | $3.4B | $599.0B |
| Cash & Equiv.Liquid assets | $47M | $599M | $343.3B |
| Total DebtShort + long-term debt | $59M | $4.0B | $942.4B |
| Interest CoverageEBIT ÷ Interest expense | 0.57x | 21.16x | 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 $21,820 today (with dividends reinvested), compared to $3,267 for FIS. Over the past 12 months, MPB leads with a +31.1% 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 | +12.6% | -38.9% | -0.5% |
| 1-Year ReturnPast 12 months | +31.1% | -49.4% | +21.8% |
| 3-Year ReturnCumulative with dividends | +49.2% | -18.9% | +138.2% |
| 5-Year ReturnCumulative with dividends | +35.8% | -67.3% | +118.2% |
| 10-Year ReturnCumulative with dividends | +164.5% | -25.6% | +465.8% |
| CAGR (3Y)Annualised 3-year return | +14.3% | -6.8% | +33.6% |
Risk & Volatility
Evenly matched — MPB and FIS each lead in 1 of 2 comparable metrics.
Risk & Volatility
FIS is the less volatile stock with a 0.61 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. MPB currently trades 97.3% 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 | 0.72x | 0.61x | 0.94x |
| 52-Week HighHighest price in past year | $35.22 | $82.74 | $337.25 |
| 52-Week LowLowest price in past year | $26.02 | $37.91 | $262.71 |
| % of 52W HighCurrent price vs 52-week peak | +97.3% | +47.4% | +95.1% |
| RSI (14)Momentum oscillator 0–100 | 59.9 | 30.8 | 59.1 |
| Avg Volume (50D)Average daily shares traded | 142K | 5.6M | 7.0M |
Analyst Outlook
Evenly matched — FIS and JPM each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: MPB as "Buy", FIS as "Buy", JPM as "Buy". Consensus price targets imply 60.4% upside for FIS (target: $63) vs 2.2% for MPB (target: $35). For income investors, FIS offers the higher dividend yield at 4.16% vs JPM's 1.86%.
| Metric | |||
|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | $35.00 | $62.88 | $339.75 |
| # AnalystsCovering analysts | 2 | 37 | 61 |
| Dividend YieldAnnual dividend ÷ price | +2.3% | +4.2% | +1.9% |
| Dividend StreakConsecutive years of raises | 1 | 1 | 15 |
| Dividend / ShareAnnual DPS | $0.78 | $1.63 | $5.95 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | +7.0% | +3.9% |
FIS leads in 1 of 6 categories (Valuation Metrics). MPB leads in 1 (Profitability & Efficiency). 3 tied.
MPB vs FIS vs JPM: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is MPB or FIS or JPM a better buy right now?
For growth investors, Mid Penn Bancorp, Inc.
(MPB) is the stronger pick with 6. 6% revenue growth year-over-year, versus 3. 3% for JPMorgan Chase & Co. (JPM). Mid Penn Bancorp, Inc. (MPB) offers the better valuation at 13. 4x trailing P/E (10. 8x forward), making it the more compelling value choice. Analysts rate Mid Penn Bancorp, Inc. (MPB) a "Buy" — based on 2 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 — MPB or FIS or JPM?
On trailing P/E, Mid Penn Bancorp, Inc.
(MPB) is the cheapest at 13. 4x 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 JPMorgan Chase & Co. 's 0. 81x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — MPB or FIS or JPM?
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 — MPB or FIS or JPM?
By beta (market sensitivity over 5 years), Fidelity National Information Services, Inc.
(FIS) is the lower-risk stock at 0. 61β versus JPMorgan Chase & Co. 's 0. 94β — meaning JPM is approximately 55% more volatile than FIS relative to the S&P 500. On balance sheet safety, Mid Penn Bancorp, Inc. (MPB) carries a lower debt/equity ratio of 7% versus 3% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which is growing faster — MPB or FIS or JPM?
By revenue growth (latest reported year), Mid Penn Bancorp, Inc.
(MPB) is pulling ahead at 6. 6% versus 3. 3% for JPMorgan Chase & Co. (JPM). On earnings-per-share growth, the picture is similar: JPMorgan Chase & Co. grew EPS 1. 5% year-over-year, compared to -47. 2% for Fidelity National Information Services, Inc.. 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 — MPB or FIS or JPM?
JPMorgan Chase & Co.
(JPM) is the more profitable company, earning 20. 4% net margin versus 3. 6% for Fidelity National Information Services, Inc. — meaning it keeps 20. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JPM leads at 26. 0% versus 16. 5% for FIS. At the gross margin level — before operating expenses — MPB leads at 61. 5%, 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 MPB or FIS 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. 26x versus JPMorgan Chase & Co. 's 0. 81x. 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 14. 4x for JPMorgan Chase & Co. — 8. 2x 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 — MPB or FIS or JPM?
All stocks in this comparison pay dividends.
Fidelity National Information Services, Inc. (FIS) offers the highest yield at 4. 2%, versus 1. 9% for JPMorgan Chase & Co. (JPM).
09Is MPB or FIS or JPM better for a retirement portfolio?
For long-horizon retirement investors, JPMorgan Chase & Co.
(JPM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 94), 1. 9% yield, +465. 8% 10Y return). Both have compounded well over 10 years (JPM: +465. 8%, 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 MPB and FIS and JPM?
These companies operate in different sectors (MPB (Financial Services) and FIS (Technology) 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: MPB is a small-cap deep-value stock; FIS is a mid-cap income-oriented 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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