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MA vs MCB

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MCB
Metropolitan Bank Holding Corp.
NEUTRAL
Price
$88.70
Market Cap
$1.1B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MCB
10.96
Forward P/E
MA
22.05
MCB
7.49
P/B Ratio
MA
57.74
MCB
1.2
P/S Ratio
MA
13.6
MCB
3.65
EV/EBITDA
MA
22.13
MCB
--

Profitability

Gross Margin
MA
100.0%
MCB
0.0%
Operating Margin
MA
57.73%
MCB
50.93%
Profit Margin
MA
45.65%
MCB
28.51%
ROE
MA
209.91%
MCB
10.22%
ROA
MA
23.72%
MCB
1.05%

Growth

Revenue Growth
MA
17.6%
MCB
37.4%
Earnings Growth
MA
24.2%
MCB
101.4%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
MCB
1.13%
Payout Ratio
MA
18.4%
MCB
6.18%

AI Verdict

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
MCB NEUTRAL

MCB presents a stark dichotomy between extreme valuation attractiveness and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($115.79) and Intrinsic Value ($238.66), the low F-Score suggests poor quality of earnings or declining operational efficiency. Explosive YoY earnings growth (101.4%) is offset by bearish insider sentiment and a very weak technical trend (10/100). The company's reliance on Banking-as-a-Service (BaaS) introduces regulatory risks that may be pricing into the current discount.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional YoY earnings growth of 101.40%
Strong revenue growth (37.40% YoY) outperforming sector averages
Risks
Critical financial health warning indicated by Piotroski F-Score of 2/9
Bearish insider activity with $2.72M in recent sales and zero buys
High regulatory and cybersecurity risk associated with Banking-as-a-Service (BaaS) model

Compare Another Pair

MA vs MCB: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Metropolitan Bank Holding Corp. (MCB) 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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