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FSBW vs MA

FSBW
FS Bancorp, Inc.
NEUTRAL
Price
$41.72
Market Cap
$313.0M
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
FSBW
9.48
MA
30.28
Forward P/E
FSBW
8.09
MA
22.05
P/B Ratio
FSBW
1.0
MA
57.74
P/S Ratio
FSBW
2.19
MA
13.6
EV/EBITDA
FSBW
--
MA
22.13

Profitability

Gross Margin
FSBW
0.0%
MA
100.0%
Operating Margin
FSBW
32.26%
MA
57.73%
Profit Margin
FSBW
23.3%
MA
45.65%
ROE
FSBW
11.05%
MA
209.91%
ROA
FSBW
1.07%
MA
23.72%

Growth

Revenue Growth
FSBW
6.4%
MA
17.6%
Earnings Growth
FSBW
20.5%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
FSBW
2.84%
MA
0.7%
Payout Ratio
FSBW
26.11%
MA
18.4%

AI Verdict

FSBW NEUTRAL

FSBW presents a classic value disconnect: it is significantly undervalued relative to its Graham Number ($63.33) and Intrinsic Value ($126.56), yet it suffers from poor short-term momentum. The Piotroski F-Score of 4/9 indicates stable but mediocre financial health, while a recent streak of four consecutive earnings misses suggests a deterioration in operational performance. Despite a strong ROA of 1.07% and a sustainable dividend payout, bearish insider activity and a 0/100 technical trend offset the attractive valuation metrics.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Low P/E ratio (9.48) and Price-to-Book ratio of 1.00
Strong ROA (1.07%) exceeding the typical 1% banking benchmark
Risks
Consistent earnings misses (0/4 beats in the last 4 quarters)
Negative Q/Q revenue growth (-9.69%)
Bearish insider sentiment with recent director sales
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

FSBW vs MA: Head-to-Head Comparison

This page compares FS Bancorp, Inc. (FSBW) 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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