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AVBH vs MA

AVBH
Avidbank Holdings, Inc.
BEARISH
Price
$27.58
Market Cap
$302.0M
Sector
Financial Services
AI Confidence
78%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AVBH
12.1
MA
30.28
Forward P/E
AVBH
8.69
MA
22.05
P/B Ratio
AVBH
1.1
MA
57.74
P/S Ratio
AVBH
13.65
MA
13.6
EV/EBITDA
AVBH
--
MA
22.13

Profitability

Gross Margin
AVBH
0.0%
MA
100.0%
Operating Margin
AVBH
134.08%
MA
57.73%
Profit Margin
AVBH
-90.58%
MA
45.65%
ROE
AVBH
-8.68%
MA
209.91%
ROA
AVBH
-0.86%
MA
23.72%

Growth

Revenue Growth
AVBH
--
MA
17.6%
Earnings Growth
AVBH
--
MA
24.2%

Financial Health

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

Dividends

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

AI Verdict

AVBH BEARISH

The Advanced Deterministic Scorecard reveals significant concerns: a weak Piotroski F-Score of 4/9 indicates marginal financial health, and the absence of an Altman Z-Score prevents a full distress risk assessment. Despite a current price of $27.58, profitability metrics are deeply problematic with a -90.58% profit margin and negative ROE/ROA, undermining valuation appeal. Although the stock has delivered strong price performance over the past year (+34.9%), this is not supported by consistent earnings growth or cash flow visibility. The high P/E relative to peers and deteriorating recent earnings trends further suggest overvaluation and weakening fundamentals.

Strengths
Recent price performance has been strong, with a 1-year return of +34.9% and 5-year return of +48.3%, indicating investor interest.
Forward P/E of 8.69 suggests potential earnings improvement expectations, below current P/E of 12.10.
Analyst target price of $31.62 implies ~14.6% upside, indicating some external optimism.
Risks
Piotroski F-Score of 4/9 signals weak financial health, particularly concerning for a financial institution where stability is critical.
Profit margin of -90.58% and ROE of -8.68% indicate severe unprofitability and poor capital efficiency.
Missing financial data (Debt/Equity, Cash, Debt, EV, ROIC) raises transparency concerns and limits 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

AVBH vs MA: Head-to-Head Comparison

This page compares Avidbank Holdings, Inc. (AVBH) 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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