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FNB vs MA

FNB
F.N.B. Corporation
NEUTRAL
Price
$17.52
Market Cap
$6.23B
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
FNB
10.81
MA
30.28
Forward P/E
FNB
8.96
MA
22.05
P/B Ratio
FNB
0.92
MA
57.74
P/S Ratio
FNB
3.63
MA
13.6
EV/EBITDA
FNB
--
MA
22.13

Profitability

Gross Margin
FNB
0.0%
MA
100.0%
Operating Margin
FNB
42.01%
MA
57.73%
Profit Margin
FNB
34.11%
MA
45.65%
ROE
FNB
8.86%
MA
209.91%
ROA
FNB
1.18%
MA
23.72%

Growth

Revenue Growth
FNB
9.6%
MA
17.6%
Earnings Growth
FNB
18.8%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
FNB
2.97%
MA
0.7%
Payout Ratio
FNB
29.63%
MA
18.4%

AI Verdict

FNB NEUTRAL

FNB presents a stark contrast between deep value and deteriorating financial health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($26.4) and Intrinsic Value ($47.79), and trades below book value (P/B 0.92), the deterministic health markers are concerning. Strong YoY earnings growth (18.8%) and a consistent track record of earnings beats provide a bullish fundamental backdrop, but these are offset by bearish insider sentiment and a complete lack of technical momentum. The overall outlook is neutral as the value proposition is currently fighting against poor operational health signals.

Strengths
Deep value pricing with P/B ratio of 0.92
Strong earnings growth (YoY +18.8%) and revenue growth (YoY +9.6%)
Consistent history of beating earnings estimates over 25 quarters
Risks
Very weak Piotroski F-Score (2/9) indicating poor financial health trends
Bearish insider activity with recent officer sales
Zero technical momentum (Technical Trend: 0/100)
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

FNB vs MA: Head-to-Head Comparison

This page compares F.N.B. Corporation (FNB) 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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