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FVCB vs MA

FVCB
FVCBankcorp, Inc.
BULLISH
Price
$15.60
Market Cap
$280.4M
Sector
Financial Services
AI Confidence
75%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
FVCB
12.89
MA
30.28
Forward P/E
FVCB
9.81
MA
22.05
P/B Ratio
FVCB
1.1
MA
57.74
P/S Ratio
FVCB
4.26
MA
13.6
EV/EBITDA
FVCB
--
MA
22.13

Profitability

Gross Margin
FVCB
0.0%
MA
100.0%
Operating Margin
FVCB
45.28%
MA
57.73%
Profit Margin
FVCB
33.51%
MA
45.65%
ROE
FVCB
9.02%
MA
209.91%
ROA
FVCB
0.98%
MA
23.72%

Growth

Revenue Growth
FVCB
10.2%
MA
17.6%
Earnings Growth
FVCB
15.2%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
FVCB
1.55%
MA
0.7%
Payout Ratio
FVCB
9.92%
MA
18.4%

AI Verdict

FVCB BULLISH

FVCB presents a compelling value opportunity, trading significantly below its Graham Number ($19.71) and Intrinsic Value ($35.99). The company maintains a stable financial health profile with a Piotroski F-Score of 4/9 and strong double-digit growth in both revenue (10.20%) and earnings (15.20%). While insider sentiment is bearish and technical trends are currently weak, the fundamental valuation metrics (P/E 12.89, P/B 1.10) suggest the stock is undervalued. The extremely low dividend payout ratio of 9.92% provides a significant cushion for future dividend growth.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY earnings growth of 15.20%
Attractive Price-to-Book ratio of 1.10
Risks
Aggressive insider selling ($1.15M in net sales)
Bearish technical trend (0/100 score)
Low ROA (0.98%) which is slightly below the ideal 1% benchmark for regional banks
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

FVCB vs MA: Head-to-Head Comparison

This page compares FVCBankcorp, Inc. (FVCB) 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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