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COSO vs MA

COSO
CoastalSouth Bancshares, Inc.
NEUTRAL
Price
$25.36
Market Cap
$304.0M
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
COSO
11.53
MA
30.28
Forward P/E
COSO
9.59
MA
22.05
P/B Ratio
COSO
1.16
MA
57.74
P/S Ratio
COSO
3.7
MA
13.6
EV/EBITDA
COSO
--
MA
22.13

Profitability

Gross Margin
COSO
0.0%
MA
100.0%
Operating Margin
COSO
40.58%
MA
57.73%
Profit Margin
COSO
31.88%
MA
45.65%
ROE
COSO
11.26%
MA
209.91%
ROA
COSO
1.15%
MA
23.72%

Growth

Revenue Growth
COSO
18.4%
MA
17.6%
Earnings Growth
COSO
8.5%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
COSO
0.79%
MA
0.7%
Payout Ratio
COSO
2.27%
MA
18.4%

AI Verdict

COSO NEUTRAL

COSO presents a stark contrast between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($32.95) and Intrinsic Value ($43.45), this discount is likely a reflection of poor earnings quality, evidenced by four consecutive quarterly misses. Strong top-line revenue growth is being offset by declining Q/Q EPS growth (-12.1%) and a bearish technical trend (10/100). Consequently, the valuation appeal is currently outweighed by fundamental instability.

Strengths
Significant undervaluation relative to Graham Number ($32.95) and Intrinsic Value ($43.45)
Strong top-line revenue growth (18.40% YoY and 22.19% Q/Q)
Low P/E ratio (11.53) and Forward P/E (9.59) compared to sector averages
Risks
Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Poor earnings track record with 0/4 beats in the last four quarters
Negative most recent Q/Q EPS growth (-12.1%)
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

COSO vs MA: Head-to-Head Comparison

This page compares CoastalSouth Bancshares, Inc. (COSO) 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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