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FMAO vs MA

FMAO
Farmers & Merchants Bancorp, Inc.
BULLISH
Price
$27.28
Market Cap
$375.1M
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
FMAO
11.23
MA
30.28
Forward P/E
FMAO
9.22
MA
22.05
P/B Ratio
FMAO
1.0
MA
57.74
P/S Ratio
FMAO
3.14
MA
13.6
EV/EBITDA
FMAO
--
MA
22.13

Profitability

Gross Margin
FMAO
0.0%
MA
100.0%
Operating Margin
FMAO
44.83%
MA
57.73%
Profit Margin
FMAO
27.9%
MA
45.65%
ROE
FMAO
9.44%
MA
209.91%
ROA
FMAO
0.98%
MA
23.72%

Growth

Revenue Growth
FMAO
20.0%
MA
17.6%
Earnings Growth
FMAO
19.3%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
FMAO
3.33%
MA
0.7%
Payout Ratio
FMAO
37.04%
MA
18.4%

AI Verdict

FMAO BULLISH

FMAO presents a compelling value opportunity, characterized by a stable Piotroski F-Score of 4/9 and a significant valuation discount. The stock is trading at $27.28, well below its Graham Number ($38.64) and estimated Intrinsic Value ($71.69), with a Price-to-Book ratio of 1.00. Strong fundamental growth (20% YoY revenue growth) and a consistent track record of earnings beats provide a solid floor. While technical trends and recent insider activity are bearish, the underlying financial health and growth metrics suggest substantial upside potential.

Strengths
Significant undervaluation relative to Graham Number ($38.64) and Intrinsic Value ($71.69)
Strong growth profile with 20% YoY revenue and 19.3% earnings growth
Excellent earnings track record with 3/4 recent beats and consistent positive surprises
Risks
Bearish technical trend (0/100) indicating short-term price pressure
Net bearish insider activity with recent officer sales
Mediocre Piotroski F-Score (4/9) suggesting room for improvement in operational efficiency
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

FMAO vs MA: Head-to-Head Comparison

This page compares Farmers & Merchants Bancorp, Inc. (FMAO) 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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