Banks - Regional
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Side-by-side financial analysisStock Comparison
PLBC vs BSVN vs FIS vs JKHY vs JPM
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
Information Technology Services
Information Technology Services
Banks - Diversified
PLBC vs BSVN vs FIS vs JKHY vs JPM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||
|---|---|---|---|---|---|
| Industry | Banks - Regional | Banks - Regional | Information Technology Services | Information Technology Services | Banks - Diversified |
| Market Cap | $398M | $446M | $20.26B | $9.28B | $896.00B |
| Revenue (TTM) | $112M | $137M | $11.66B | $2.52B | $280.33B |
| Net Income (TTM) | $30M | $43M | $2.67B | $519M | $57.05B |
| Gross Margin | 81.5% | 69.7% | 37.6% | 44.1% | 60.0% |
| Operating Margin | 35.4% | 41.4% | 17.9% | 26.0% | 25.9% |
| Forward P/E | 10.1x | 10.5x | 6.2x | 18.7x | 14.4x |
| Total Debt | $148M | $0.00 | $4.01B | $0.00 | $942.38B |
| Cash & Equiv. | $81M | $245M | $599M | $102M | $343.34B |
PLBC vs BSVN vs FIS vs JKHY vs JPM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Plumas Bancorp (PLBC) | 100 | 255.9 | +155.9% |
| Bank7 Corp. (BSVN) | 100 | 428.0 | +328.0% |
| Fidelity National I… (FIS) | 100 | 29.2 | -70.8% |
| Jack Henry & Associ… (JKHY) | 100 | 69.7 | -30.3% |
| JPMorgan Chase & Co. (JPM) | 100 | 341.0 | +241.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PLBC vs BSVN vs FIS vs JKHY vs JPM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
PLBC has the current edge in this matchup, primarily because of its strength in long-term compounding.
- 5.7% 10Y total return vs JPM's 465.8%
- 48.6% NII/revenue growth vs BSVN's -3.9%
- +31.1% vs FIS's -49.4%
BSVN is the clearest fit if your priority is bank quality.
- NIM 4.5% vs JPM's 2.2%
- 31.4% margin vs JPM's 20.4%
FIS is the #2 pick in this set and the best alternative if income & stability and sleep-well-at-night is your priority.
- 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 JKHY's 1.86
- Beta 0.61, yield 4.2%, current ratio 0.59x
JKHY ranks third and is worth considering specifically for growth exposure.
- Rev growth 7.2%, EPS growth 19.3%, 3Y rev CAGR 6.9%
- Beta 0.10 vs JPM's 0.94
- 17.0% ROA vs JPM's 1.3%, ROIC 21.0% vs 4.5%
Among these 5 stocks, JPM doesn't own a clear edge in any measured category.
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 48.6% NII/revenue growth vs BSVN's -3.9% | |
| Value | Lower P/E (6.2x vs 14.4x), PEG 0.26 vs 0.81 | |
| Quality / Margins | 31.4% margin vs JPM's 20.4% | |
| Stability / Safety | Beta 0.10 vs JPM's 0.94 | |
| Dividends | 4.2% yield, 1-year raise streak, vs JKHY's 1.8% | |
| Momentum (1Y) | +31.1% vs FIS's -49.4% | |
| Efficiency (ROA) | 17.0% ROA vs JPM's 1.3%, ROIC 21.0% vs 4.5% |
PLBC vs BSVN vs FIS vs JKHY vs JPM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
PLBC vs BSVN vs FIS vs JKHY vs JPM — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
JKHY leads in 1 of 6 categories
PLBC leads 1 • BSVN leads 0 • FIS leads 0 • JPM leads 0 • 4 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
Evenly matched — BSVN 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 — 2503.2x PLBC's $112M. BSVN is the more profitable business, keeping 31.4% of every revenue dollar as net income compared to JPM's 20.4%. On growth, FIS holds the edge at +30.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $112M | $137M | $11.7B | $2.5B | $280.3B |
| EBITDAEarnings before interest/tax | $41M | $58M | $4.1B | $810M | $81.4B |
| Net IncomeAfter-tax profit | $30M | $43M | $2.7B | $519M | $57.0B |
| Free Cash FlowCash after capex | $20M | $36M | $2.8B | $728M | $100.9B |
| Gross MarginGross profit ÷ Revenue | +81.5% | +69.7% | +37.6% | +44.1% | +60.0% |
| Operating MarginEBIT ÷ Revenue | +35.4% | +41.4% | +17.9% | +26.0% | +25.9% |
| Net MarginNet income ÷ Revenue | +26.4% | +31.4% | +22.9% | +20.6% | +20.4% |
| FCF MarginFCF ÷ Revenue | +18.1% | +26.4% | +23.9% | +28.9% | +36.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | +30.1% | +8.7% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +20.9% | -3.4% | +30.6% | +12.5% | +16.0% |
Valuation Metrics
Evenly matched — BSVN and FIS each lead in 3 of 7 comparable metrics.
Valuation Metrics
At 10.3x trailing earnings, BSVN trades at a 80% valuation discount to FIS's 52.3x P/E. Adjusting for growth (PEG ratio), BSVN offers better value at 0.61x vs FIS's 2.14x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $398M | $446M | $20.3B | $9.3B | $896.0B |
| Enterprise ValueMkt cap + debt − cash | $466M | $202M | $23.7B | $9.2B | $1.50T |
| Trailing P/EPrice ÷ TTM EPS | 12.47x | 10.33x | 52.27x | 20.55x | 16.00x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.06x | 10.46x | 6.24x | 18.72x | 14.40x |
| PEG RatioP/E ÷ EPS growth rate | 1.20x | 0.61x | 2.14x | 2.04x | 0.90x |
| EV / EBITDAEnterprise value multiple | 11.76x | 3.48x | 6.50x | 11.87x | 18.36x |
| Price / SalesMarket cap ÷ Revenue | 3.68x | 3.25x | 1.90x | 3.91x | 3.20x |
| Price / BookPrice ÷ Book value/share | 1.41x | 1.77x | 1.46x | 4.40x | 2.47x |
| Price / FCFMarket cap ÷ FCF | 19.64x | 10.78x | 7.21x | 15.78x | 8.88x |
Profitability & Efficiency
JKHY leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
JKHY delivers a 24.0% return on equity — every $100 of shareholder capital generates $24 in annual profit, vs $13 for PLBC. FIS carries lower financial leverage with a 0.29x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.60x. On the Piotroski fundamental quality scale (0–9), FIS scores 6/9 vs PLBC's 3/9, reflecting solid financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +13.3% | +18.2% | +18.4% | +24.0% | +15.9% |
| ROA (TTM)Return on assets | +1.5% | +2.3% | +7.5% | +17.0% | +1.3% |
| ROICReturn on invested capital | +9.2% | +18.3% | +6.0% | +21.0% | +4.5% |
| ROCEReturn on capital employed | +14.1% | +5.2% | +6.6% | +22.7% | +8.9% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 5 | 6 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.57x | — | 0.29x | — | 2.60x |
| Net DebtTotal debt minus cash | $67M | -$245M | $3.4B | -$102M | $599.0B |
| Cash & Equiv.Liquid assets | $81M | $245M | $599M | $102M | $343.3B |
| Total DebtShort + long-term debt | $148M | $0 | $4.0B | $0 | $942.4B |
| Interest CoverageEBIT ÷ Interest expense | 2.85x | 1.39x | 21.16x | 122.37x | 0.74x |
Total Returns (Dividends Reinvested)
PLBC leads this category, winning 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BSVN five years ago would be worth $28,907 today (with dividends reinvested), compared to $3,267 for FIS. Over the past 12 months, PLBC 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 | +30.3% | +13.0% | -38.9% | -27.4% | -0.5% |
| 1-Year ReturnPast 12 months | +31.1% | +20.3% | -49.4% | -27.5% | +21.8% |
| 3-Year ReturnCumulative with dividends | +62.0% | +97.2% | -18.9% | -15.1% | +138.2% |
| 5-Year ReturnCumulative with dividends | +110.2% | +189.1% | -67.3% | -14.9% | +118.2% |
| 10-Year ReturnCumulative with dividends | +574.9% | +169.2% | -25.6% | +74.8% | +465.8% |
| CAGR (3Y)Annualised 3-year return | +17.5% | +25.4% | -6.8% | -5.3% | +33.6% |
Risk & Volatility
Evenly matched — PLBC and JKHY each lead in 1 of 2 comparable metrics.
Risk & Volatility
JKHY is the less volatile stock with a 0.10 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. PLBC currently trades 99.3% 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 | 0.71x | 0.64x | 0.61x | 0.10x | 0.94x |
| 52-Week HighHighest price in past year | $57.00 | $50.10 | $82.74 | $193.39 | $337.25 |
| 52-Week LowLowest price in past year | $39.70 | $37.56 | $37.91 | $124.63 | $262.71 |
| % of 52W HighCurrent price vs 52-week peak | +99.3% | +92.8% | +47.4% | +66.3% | +95.1% |
| RSI (14)Momentum oscillator 0–100 | 70.4 | 62.6 | 30.8 | 27.5 | 59.1 |
| Avg Volume (50D)Average daily shares traded | 56K | 11K | 5.6M | 1.2M | 7.0M |
Analyst Outlook
Evenly matched — FIS and JKHY each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: PLBC as "Buy", BSVN as "Buy", FIS as "Buy", JKHY as "Buy", JPM as "Buy". Consensus price targets imply 60.4% upside for FIS (target: $63) vs 5.9% for JPM (target: $340). For income investors, FIS offers the higher dividend yield at 4.16% vs JKHY's 1.76%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | $61.50 | $57.00 | $62.88 | $194.63 | $339.75 |
| # AnalystsCovering analysts | 3 | 3 | 37 | 22 | 61 |
| Dividend YieldAnnual dividend ÷ price | +2.1% | +2.1% | +4.2% | +1.8% | +1.9% |
| Dividend StreakConsecutive years of raises | 5 | 7 | 1 | 22 | 15 |
| Dividend / ShareAnnual DPS | $1.18 | $0.98 | $1.63 | $2.25 | $5.95 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.3% | +7.0% | +0.4% | +3.9% |
JKHY leads in 1 of 6 categories (Profitability & Efficiency). PLBC leads in 1 (Total Returns). 4 tied.
PLBC vs BSVN vs FIS vs JKHY vs JPM: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is PLBC or BSVN or FIS or JKHY or JPM a better buy right now?
For growth investors, Plumas Bancorp (PLBC) is the stronger pick with 48.
6% revenue growth year-over-year, versus -3. 9% for Bank7 Corp. (BSVN). Bank7 Corp. (BSVN) offers the better valuation at 10. 3x trailing P/E (10. 5x forward), making it the more compelling value choice. Analysts rate Plumas Bancorp (PLBC) a "Buy" — based on 3 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 — PLBC or BSVN or FIS or JKHY or JPM?
On trailing P/E, Bank7 Corp.
(BSVN) is the cheapest at 10. 3x 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 Jack Henry & Associates, Inc. 's 1. 86x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — PLBC or BSVN or FIS or JKHY or JPM?
Over the past 5 years, Bank7 Corp.
(BSVN) delivered a total return of +189. 1%, compared to -67. 3% for Fidelity National Information Services, Inc. (FIS). Over 10 years, the gap is even starker: PLBC returned +574. 9% 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 — PLBC or BSVN or FIS or JKHY or JPM?
By beta (market sensitivity over 5 years), Jack Henry & Associates, Inc.
(JKHY) is the lower-risk stock at 0. 10β versus JPMorgan Chase & Co. 's 0. 94β — meaning JPM is approximately 812% more volatile than JKHY relative to the S&P 500. On balance sheet safety, Fidelity National Information Services, Inc. (FIS) carries a lower debt/equity ratio of 29% versus 3% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which is growing faster — PLBC or BSVN or FIS or JKHY or JPM?
By revenue growth (latest reported year), Plumas Bancorp (PLBC) is pulling ahead at 48.
6% versus -3. 9% for Bank7 Corp. (BSVN). On earnings-per-share growth, the picture is similar: Jack Henry & Associates, Inc. grew EPS 19. 3% 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 — PLBC or BSVN or FIS or JKHY or JPM?
Bank7 Corp.
(BSVN) is the more profitable company, earning 31. 4% net margin versus 3. 6% for Fidelity National Information Services, Inc. — meaning it keeps 31. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BSVN leads at 41. 4% versus 16. 5% for FIS. At the gross margin level — before operating expenses — PLBC leads at 80. 9%, 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 PLBC or BSVN or FIS or JKHY 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 Jack Henry & Associates, Inc. 's 1. 86x. 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 18. 7x for Jack Henry & Associates, Inc. — 12. 5x 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 — PLBC or BSVN or FIS or JKHY or JPM?
All stocks in this comparison pay dividends.
Fidelity National Information Services, Inc. (FIS) offers the highest yield at 4. 2%, versus 1. 8% for Jack Henry & Associates, Inc. (JKHY).
09Is PLBC or BSVN or FIS or JKHY or JPM better for a retirement portfolio?
For long-horizon retirement investors, Jack Henry & Associates, Inc.
(JKHY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 10), 1. 8% yield). Both have compounded well over 10 years (JKHY: +74. 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 PLBC and BSVN and FIS and JKHY and JPM?
These companies operate in different sectors (PLBC (Financial Services) and BSVN (Financial Services) and FIS (Technology) and JKHY (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: PLBC is a small-cap high-growth stock; BSVN is a small-cap deep-value stock; FIS is a mid-cap income-oriented stock; JKHY is a small-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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