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BCBP vs MA

BCBP
BCB Bancorp, Inc.
BEARISH
Price
$7.86
Market Cap
$135.4M
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BCBP
131.0
MA
30.28
Forward P/E
BCBP
7.97
MA
22.05
P/B Ratio
BCBP
0.46
MA
57.74
P/S Ratio
BCBP
2.1
MA
13.6
EV/EBITDA
BCBP
--
MA
22.13

Profitability

Gross Margin
BCBP
0.0%
MA
100.0%
Operating Margin
BCBP
30.34%
MA
57.73%
Profit Margin
BCBP
4.29%
MA
45.65%
ROE
BCBP
0.86%
MA
209.91%
ROA
BCBP
0.08%
MA
23.72%

Growth

Revenue Growth
BCBP
-3.9%
MA
17.6%
Earnings Growth
BCBP
-39.0%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
BCBP
8.02%
MA
0.7%
Payout Ratio
BCBP
1066.67%
MA
18.4%

AI Verdict

BCBP BEARISH

BCBP exhibits weak financial health with a Piotroski F-Score of 4/9, indicating borderline stability, and lacks an Altman Z-Score to confirm safety from distress. The stock trades at a significant premium to its Graham Number of $4.79, currently priced at $7.86, despite deteriorating fundamentals including negative earnings and revenue growth. Profitability metrics like ROE (0.86%) and ROA (0.08%) are extremely weak, while the dividend is unsustainable with a payout ratio exceeding 1000%. Although analysts recommend a 'buy' with a $9.50 target, the company's track record of earnings misses and declining performance raises serious concerns.

Strengths
High dividend yield of 8.02% may attract income-seeking investors
Price/Book ratio of 0.46 suggests potential asset-based downside protection
Forward P/E of 7.97 is below sector average, implying possible earnings recovery expectations
Risks
Piotroski F-Score of 4 indicates weak financial health and elevated risk
Extremely high payout ratio (1066.67%) threatens dividend sustainability
Earnings growth down 39% YoY with volatile and declining trend
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

BCBP vs MA: Head-to-Head Comparison

This page compares BCB Bancorp, Inc. (BCBP) 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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