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JMSB vs MA

JMSB
John Marshall Bancorp, Inc.
BULLISH
Price
$20.76
Market Cap
$295.1M
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
JMSB
13.93
MA
30.28
Forward P/E
JMSB
10.87
MA
22.05
P/B Ratio
JMSB
1.11
MA
57.74
P/S Ratio
JMSB
4.84
MA
13.6
EV/EBITDA
JMSB
--
MA
22.13

Profitability

Gross Margin
JMSB
0.0%
MA
100.0%
Operating Margin
JMSB
49.3%
MA
57.73%
Profit Margin
JMSB
34.84%
MA
45.65%
ROE
JMSB
8.29%
MA
209.91%
ROA
JMSB
0.93%
MA
23.72%

Growth

Revenue Growth
JMSB
11.9%
MA
17.6%
Earnings Growth
JMSB
26.3%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
JMSB
1.88%
MA
0.7%
Payout Ratio
JMSB
20.13%
MA
18.4%

AI Verdict

JMSB BULLISH

JMSB presents a strong value opportunity, trading significantly below both its Graham Number ($25.09) and estimated Intrinsic Value ($43.95). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company demonstrates robust growth with earnings increasing 26.3% YoY. The valuation is attractive with a P/E of 13.93 and a low Price/Book of 1.11. Despite a heavily bearish technical trend (10/100), the fundamental divergence suggests a potential buying opportunity for long-term investors.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth (26.3% YoY) and consistent quarterly beats
Very sustainable dividend payout ratio (20.13%)
Risks
Severely bearish technical trend (10/100) suggesting strong short-term selling pressure
Limited analyst coverage (only 1 analyst providing a target)
Small market capitalization ($0.30B) may lead to higher volatility and lower liquidity
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

JMSB vs MA: Head-to-Head Comparison

This page compares John Marshall Bancorp, Inc. (JMSB) 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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