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FCF vs MA

FCF
First Commonwealth Financial Corporation
NEUTRAL
Price
$18.62
Market Cap
$1.9B
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
FCF
12.67
MA
30.28
Forward P/E
FCF
9.48
MA
22.05
P/B Ratio
FCF
1.23
MA
57.74
P/S Ratio
FCF
3.92
MA
13.6
EV/EBITDA
FCF
--
MA
22.13

Profitability

Gross Margin
FCF
0.0%
MA
100.0%
Operating Margin
FCF
46.46%
MA
57.73%
Profit Margin
FCF
31.37%
MA
45.65%
ROE
FCF
10.29%
MA
209.91%
ROA
FCF
1.27%
MA
23.72%

Growth

Revenue Growth
FCF
14.8%
MA
17.6%
Earnings Growth
FCF
22.8%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
FCF
2.9%
MA
0.7%
Payout Ratio
FCF
36.39%
MA
18.4%

AI Verdict

FCF NEUTRAL

FCF presents a classic value disconnect: the stock is trading significantly below its Graham Number ($22.40) and Intrinsic Value ($43.37), yet it suffers from a very bearish technical trend (10/100) and negative insider sentiment. The Piotroski F-Score of 4/9 indicates stable but mediocre financial health, which is typical for regional banks in the current interest rate environment. While strong YoY earnings growth of 22.8% and a sustainable payout ratio are bullish, the consistent insider selling by the CFO and directors suggests internal caution. Consequently, the stock is a value play with significant momentum headwinds.

Strengths
Trading at a discount to Graham Number ($22.40) and Intrinsic Value ($43.37)
Strong YoY earnings growth of 22.80% and revenue growth of 14.80%
Sustainable dividend payout ratio of 36.39%
Risks
Strongly bearish insider activity with 5 sell transactions and 0 buys
Very weak technical trend (10/100) indicating strong downward momentum
Mediocre Piotroski F-Score (4/9) suggesting limited improvement in financial strength
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

FCF vs MA: Head-to-Head Comparison

This page compares First Commonwealth Financial Corporation (FCF) 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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