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MA vs MPB

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MPB
Mid Penn Bancorp, Inc.
BULLISH
Price
$33.43
Market Cap
$845.4M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MPB
13.48
Forward P/E
MA
22.05
MPB
8.35
P/B Ratio
MA
57.74
MPB
0.95
P/S Ratio
MA
13.6
MPB
3.77
EV/EBITDA
MA
22.13
MPB
--

Profitability

Gross Margin
MA
100.0%
MPB
0.0%
Operating Margin
MA
57.73%
MPB
46.22%
Profit Margin
MA
45.65%
MPB
25.06%
ROE
MA
209.91%
MPB
7.66%
ROA
MA
23.72%
MPB
0.97%

Growth

Revenue Growth
MA
17.6%
MPB
33.1%
Earnings Growth
MA
24.2%
MPB
15.1%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
MPB
2.51%
Payout Ratio
MA
18.4%
MPB
32.16%

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
MPB BULLISH

Mid Penn Bancorp exhibits a stable financial profile with a Piotroski F-Score of 4/9 and significant valuation upside, as the current price of $33.43 sits well below both the Graham Number ($44.39) and the Intrinsic Value ($73.16). The company is trading at a discount to book value (P/B 0.95) while delivering aggressive revenue growth of 33.10% YoY, likely fueled by recent merger activity. Despite a heavily bearish technical trend (10/100), the fundamental data—including a low forward P/E of 8.35 and a consistent history of earnings beats—suggests a strong value opportunity.

Strengths
Deep value positioning with Price < Book Value < Graham Number
Exceptional top-line growth (33.10% YoY Revenue Growth)
Strong earnings track record with 3 of the last 4 quarters beating estimates
Risks
Severe bearish technical momentum (Technical Trend: 10/100)
Execution and integration risks associated with multiple recent mergers (1st Colonial, Brunswick, Cumberland)
Moderate ROE (7.66%) which is relatively low for the growth rate

Compare Another Pair

MA vs MPB: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Mid Penn Bancorp, Inc. (MPB) 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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