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FSEA vs MA

FSEA
First Seacoast Bancorp, Inc.
BEARISH
Price
$12.75
Market Cap
$59.9M
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
FSEA
--
MA
30.28
Forward P/E
FSEA
--
MA
22.05
P/B Ratio
FSEA
0.87
MA
57.74
P/S Ratio
FSEA
3.88
MA
13.6
EV/EBITDA
FSEA
--
MA
22.13

Profitability

Gross Margin
FSEA
0.0%
MA
100.0%
Operating Margin
FSEA
-0.27%
MA
57.73%
Profit Margin
FSEA
-5.47%
MA
45.65%
ROE
FSEA
-1.35%
MA
209.91%
ROA
FSEA
-0.14%
MA
23.72%

Growth

Revenue Growth
FSEA
20.2%
MA
17.6%
Earnings Growth
FSEA
--
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
FSEA
--
MA
0.7%
Payout Ratio
FSEA
0.0%
MA
18.4%

AI Verdict

FSEA BEARISH

FSEA exhibits severe fundamental weakness, highlighted by a Piotroski F-Score of 2/9, indicating poor financial health and deteriorating operational efficiency. While the company shows strong top-line revenue growth of 20.20% and trades at a discount to book value (P/B 0.87), this is offset by negative profit margins (-5.47%) and negative ROE (-1.35%). The combination of a bearish technical trend, negative profitability, and weak insider sentiment suggests a high-risk profile despite the low valuation.

Strengths
Strong YoY revenue growth of 20.20%
Positive Q/Q revenue growth of 20.35%
Trading below book value (P/B 0.87)
Risks
Critical financial health failure (Piotroski F-Score 2/9)
Negative profitability (Profit Margin -5.47%)
Negative Return on Equity (-1.35%) and Return on Assets (-0.14%)
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

FSEA vs MA: Head-to-Head Comparison

This page compares First Seacoast Bancorp, Inc. (FSEA) 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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