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GABC vs MA

GABC
German American Bancorp, Inc.
BULLISH
Price
$43.53
Market Cap
$1.64B
Sector
Financial Services
AI Confidence
82%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
GABC
14.23
MA
30.28
Forward P/E
GABC
10.9
MA
22.05
P/B Ratio
GABC
1.4
MA
57.74
P/S Ratio
GABC
4.78
MA
13.6
EV/EBITDA
GABC
--
MA
22.13

Profitability

Gross Margin
GABC
0.0%
MA
100.0%
Operating Margin
GABC
47.42%
MA
57.73%
Profit Margin
GABC
32.93%
MA
45.65%
ROE
GABC
12.0%
MA
209.91%
ROA
GABC
1.53%
MA
23.72%

Growth

Revenue Growth
GABC
45.3%
MA
17.6%
Earnings Growth
GABC
21.7%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
GABC
2.71%
MA
0.7%
Payout Ratio
GABC
37.91%
MA
18.4%

AI Verdict

GABC BULLISH

GABC presents a strong value opportunity, trading below its Graham Number ($46.20) and significantly below its growth-based intrinsic value ($90.27). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company exhibits explosive YoY revenue growth (45.30%) and robust earnings growth (21.70%). Despite a heavily bearish technical trend (10/100), the fundamental valuation and consistent earnings beat track record suggest a significant margin of safety.

Strengths
Trading below Graham Number ($46.20) and Intrinsic Value ($90.27)
Exceptional YoY revenue growth of 45.30% and Q/Q earnings growth of 53.70%
Sustainable dividend profile with a low payout ratio of 37.91%
Risks
Severely bearish technical trend (10/100) indicating strong short-term selling pressure
Moderate Piotroski F-Score (4/9) suggesting room for improvement in operational efficiency
Historical volatility in quarterly EPS with significant misses in 2022 and 2025
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

GABC vs MA: Head-to-Head Comparison

This page compares German American Bancorp, Inc. (GABC) 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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