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AUB vs MA

AUB
Atlantic Union Bankshares Corporation
NEUTRAL
Price
$38.87
Market Cap
$5.54B
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
AUB
19.53
MA
30.28
Forward P/E
AUB
9.69
MA
22.05
P/B Ratio
AUB
1.1
MA
57.74
P/S Ratio
AUB
4.49
MA
13.6
EV/EBITDA
AUB
--
MA
22.13

Profitability

Gross Margin
AUB
0.0%
MA
100.0%
Operating Margin
AUB
53.36%
MA
57.73%
Profit Margin
AUB
22.21%
MA
45.65%
ROE
AUB
6.72%
MA
209.91%
ROA
AUB
0.88%
MA
23.72%

Growth

Revenue Growth
AUB
91.5%
MA
17.6%
Earnings Growth
AUB
30.0%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
AUB
3.73%
MA
0.7%
Payout Ratio
AUB
68.47%
MA
18.4%

AI Verdict

AUB NEUTRAL

The Advanced Deterministic Scorecard reveals significant concerns, particularly the very weak Piotroski F-Score of 2/9, indicating poor financial health. While growth metrics are strong—especially 91.5% YoY revenue growth and 44.8% YoY EPS growth—profitability and valuation appear stretched relative to fundamentals. The stock trades near its 52-week high with a high current P/E of 19.53 despite a low forward P/E of 9.69, suggesting expectations of earnings improvement. However, missing earnings estimates in 13 of the last 25 quarters and lack of key financial health data (e.g., Altman Z-Score, Debt/Equity) create uncertainty, tempering bullish momentum.

Strengths
Exceptional year-over-year revenue growth of 91.50% and Q/Q earnings growth of 93.80%, indicating strong top-line momentum
High operating margin of 53.36%, reflecting efficient cost management and pricing power
Attractive dividend yield of 3.73%, above market average, providing income appeal
Risks
Critically low Piotroski F-Score of 2/9 signals weak financial health, particularly concerning for a bank
Missing earnings in more than half of the last 25 quarters (13 misses) undermines earnings reliability
Lack of Altman Z-Score and key leverage metrics (Debt/Equity, Current Ratio) creates opacity in financial risk assessment
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

AUB vs MA: Head-to-Head Comparison

This page compares Atlantic Union Bankshares Corporation (AUB) 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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