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MA vs MNSB

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MNSB
MainStreet Bancshares, Inc.
NEUTRAL
Price
$23.29
Market Cap
$171.5M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
MNSB
13.23
Forward P/E
MA
22.05
MNSB
9.91
P/B Ratio
MA
57.74
MNSB
0.88
P/S Ratio
MA
13.6
MNSB
2.33
EV/EBITDA
MA
22.13
MNSB
--

Profitability

Gross Margin
MA
100.0%
MNSB
0.0%
Operating Margin
MA
57.73%
MNSB
29.66%
Profit Margin
MA
45.65%
MNSB
21.2%
ROE
MA
209.91%
MNSB
7.32%
ROA
MA
23.72%
MNSB
0.7%

Growth

Revenue Growth
MA
17.6%
MNSB
31.8%
Earnings Growth
MA
24.2%
MNSB
--

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
MNSB
1.72%
Payout Ratio
MA
18.4%
MNSB
22.73%

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
MNSB NEUTRAL

MNSB presents a classic value trap profile with a stable Piotroski F-Score of 4/9 and a Graham Number of $32.32 suggesting significant defensive undervaluation. While the stock trades at a discount to book value (P/B 0.88) and shows strong top-line revenue growth of 31.8%, this is offset by a dismal earnings track record with zero beats in the last four quarters. The stark divergence between the Graham Number ($32.32) and the growth-based Intrinsic Value ($12.32) indicates that while assets are undervalued, the earning power is weak. Technical trends are heavily bearish (10/100), suggesting the market is pricing in these fundamental earnings struggles.

Strengths
Trading below book value (P/B 0.88)
Strong year-over-year revenue growth of 31.80%
Low P/E ratio (13.23) relative to sector averages
Risks
Consistent earnings misses (0/4 beats in last 4 quarters)
Very low ROE (7.32%) and ROA (0.70%) for a regional bank
Strongly bearish technical trend (10/100)

Compare Another Pair

MA vs MNSB: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and MainStreet Bancshares, Inc. (MNSB) 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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