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AVBC vs MA

AVBC
Avidia Bancorp, Inc.
BEARISH
Price
$17.23
Market Cap
$345.9M
Sector
Financial Services
AI Confidence
75%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AVBC
--
MA
30.28
Forward P/E
AVBC
13.78
MA
22.05
P/B Ratio
AVBC
0.93
MA
57.74
P/S Ratio
AVBC
4.35
MA
13.6
EV/EBITDA
AVBC
--
MA
22.13

Profitability

Gross Margin
AVBC
0.0%
MA
100.0%
Operating Margin
AVBC
-4.24%
MA
57.73%
Profit Margin
AVBC
-6.43%
MA
45.65%
ROE
AVBC
--
MA
209.91%
ROA
AVBC
--
MA
23.72%

Growth

Revenue Growth
AVBC
28.0%
MA
17.6%
Earnings Growth
AVBC
--
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
AVBC
--
MA
0.7%
Payout Ratio
AVBC
0.0%
MA
18.4%

AI Verdict

AVBC BEARISH

The deterministic health scores paint a concerning picture, with a Piotroski F-Score of just 1/9 indicating severe financial weakness. Despite strong year-over-year revenue growth of 28%, the company is unprofitable with negative profit and operating margins, undermining its financial stability. Valuation metrics like a Price/Book of 0.93 suggest the market is pricing in limited confidence, while the technical trend score of 10/100 reflects strong bearish momentum. The absence of Altman Z-Score data is a red flag, but the extremely low Piotroski score alone warrants significant caution.

Strengths
Strong YoY revenue growth of 28.00% outpaces sector average of 31.03%, showing top-line momentum
Forward P/E of 13.78 is below sector average of 30.90, suggesting potential relative value
Insider sentiment score of 60/100 indicates mildly positive internal outlook
Risks
Piotroski F-Score of 1/9 indicates critical financial distress and weak fundamentals
Negative profit margin (-6.43%) and operating margin (-4.24%) show ongoing unprofitability
Gross margin at 0.00% is highly unusual for a bank and suggests core business model issues
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

AVBC vs MA: Head-to-Head Comparison

This page compares Avidia Bancorp, Inc. (AVBC) 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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