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BANF vs MA

BANF
BancFirst Corporation
NEUTRAL
Price
$108.47
Market Cap
$3.64B
Sector
Financial Services
AI Confidence
68%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BANF
16.66
MA
30.28
Forward P/E
BANF
15.27
MA
22.05
P/B Ratio
BANF
2.03
MA
57.74
P/S Ratio
BANF
5.46
MA
13.6
EV/EBITDA
BANF
--
MA
22.13

Profitability

Gross Margin
BANF
0.0%
MA
100.0%
Operating Margin
BANF
49.31%
MA
57.73%
Profit Margin
BANF
35.64%
MA
45.65%
ROE
BANF
14.11%
MA
209.91%
ROA
BANF
1.73%
MA
23.72%

Growth

Revenue Growth
BANF
6.5%
MA
17.6%
Earnings Growth
BANF
5.7%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
BANF
1.67%
MA
0.7%
Payout Ratio
BANF
26.56%
MA
18.4%

AI Verdict

BANF NEUTRAL

BANF has a weak Piotroski F-Score of 4/9, indicating marginal financial health, and lacks an Altman Z-Score, limiting distress risk assessment. Despite solid profitability metrics like a 35.64% profit margin and 14.11% ROE, recent earnings growth has slowed with a -5.4% Q/Q EPS decline and only 4.2% YoY growth. The stock trades above both the Graham Number ($88.52) and intrinsic value estimate ($101.23) at $108.47, reflecting modest overvaluation. Mixed analyst sentiment (Hold) and bearish insider activity further support a neutral stance.

Strengths
High profitability with 35.64% profit margin and 49.31% operating margin
Strong ROE of 14.11%, outperforming sector average of -7.64%
Low P/E of 16.66 vs sector average of 21.11, suggesting relative value
Risks
Weak Piotroski F-Score of 4/9 signals below-average financial stability
Lack of Altman Z-Score prevents clear distress risk evaluation
Bearish technical trend (0/100) and declining price momentum (-9.1% 1Y return)
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

BANF vs MA: Head-to-Head Comparison

This page compares BancFirst Corporation (BANF) 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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