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BHRB vs MA

BHRB
Burke & Herbert Financial Services Corp.
NEUTRAL
Price
$64.50
Market Cap
$970.0M
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BHRB
8.35
MA
30.28
Forward P/E
BHRB
7.3
MA
22.05
P/B Ratio
BHRB
1.15
MA
57.74
P/S Ratio
BHRB
2.87
MA
13.6
EV/EBITDA
BHRB
--
MA
22.13

Profitability

Gross Margin
BHRB
0.0%
MA
100.0%
Operating Margin
BHRB
54.23%
MA
57.73%
Profit Margin
BHRB
34.65%
MA
45.65%
ROE
BHRB
14.8%
MA
209.91%
ROA
BHRB
1.49%
MA
23.72%

Growth

Revenue Growth
BHRB
8.7%
MA
17.6%
Earnings Growth
BHRB
51.8%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
BHRB
--
MA
0.7%
Payout Ratio
BHRB
--
MA
18.4%

AI Verdict

BHRB NEUTRAL

BHRB presents a stark contrast between deep value and deteriorating fundamental health. While the stock trades significantly below its Graham Number ($98.78) and Intrinsic Value ($227.74) with a low P/E of 8.35, the Piotroski F-Score of 3/9 indicates weak financial health. Strong earnings growth (51.8% YoY) and a consistent track record of beating estimates are offset by a bearish technical trend and a lack of dividend support. The valuation is highly attractive, but the low health score necessitates a cautious approach.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth of 51.8% YoY
Consistent earnings beat record (4/4 in last 4 quarters)
Risks
Weak fundamental health as indicated by a Piotroski F-Score of 3/9
Bearish technical trend (0/100)
Lack of dividend yield to provide a price floor
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

BHRB vs MA: Head-to-Head Comparison

This page compares Burke & Herbert Financial Services Corp. (BHRB) 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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