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AMTB vs MA

AMTB
Amerant Bancorp Inc.
NEUTRAL
Price
$21.26
Market Cap
$900.3M
Sector
Financial Services
AI Confidence
65%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AMTB
12.88
MA
30.28
Forward P/E
AMTB
7.88
MA
22.05
P/B Ratio
AMTB
0.93
MA
57.74
P/S Ratio
AMTB
2.32
MA
13.6
EV/EBITDA
AMTB
--
MA
22.13

Profitability

Gross Margin
AMTB
0.0%
MA
100.0%
Operating Margin
AMTB
23.08%
MA
57.73%
Profit Margin
AMTB
17.14%
MA
45.65%
ROE
AMTB
7.21%
MA
209.91%
ROA
AMTB
0.64%
MA
23.72%

Growth

Revenue Growth
AMTB
576.5%
MA
17.6%
Earnings Growth
AMTB
--
MA
24.2%

Financial Health

Debt/Equity
AMTB
--
MA
2.56
Current Ratio
AMTB
--
MA
1.03
Quick Ratio
AMTB
--
MA
0.68

Dividends

Dividend Yield
AMTB
1.62%
MA
0.7%
Payout Ratio
AMTB
20.93%
MA
18.4%

AI Verdict

AMTB NEUTRAL

AMTB exhibits mixed financial health with a Piotroski F-Score of 4/9, indicating stable but not strong fundamentals. The absence of an Altman Z-Score prevents a full distress risk assessment, though the Price/Book of 0.93 suggests the stock trades below tangible book value. Strong revenue growth of 576.5% YoY and a low forward P/E of 7.88 signal potential value, but weak ROA of 0.64% and inconsistent earnings surprises temper optimism. Analysts recommend a 'buy' with a $22.75 target, implying modest upside from current levels.

Strengths
Exceptional YoY revenue growth of 576.50%, significantly outpacing sector average of 40.30%
Low forward P/E of 7.88, well below sector average of 21.57, suggesting undervaluation
Price/Book ratio of 0.93 indicates shares trade below book value, a potential margin of safety
Risks
Piotroski F-Score of 4/9 indicates borderline financial health with notable weaknesses in profitability and leverage trends
Missing Altman Z-Score prevents proper bankruptcy risk assessment; absence is a red flag
ROA of 0.64% is extremely low, indicating poor asset efficiency for a bank
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

AMTB vs MA: Head-to-Head Comparison

This page compares Amerant Bancorp Inc. (AMTB) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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