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MA vs MSBI

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MSBI
Midland States Bancorp, Inc.
BEARISH
Price
$23.71
Market Cap
$509.0M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MSBI
--
Forward P/E
MA
22.05
MSBI
8.63
P/B Ratio
MA
57.74
MSBI
1.1
P/S Ratio
MA
13.6
MSBI
1.92
EV/EBITDA
MA
22.13
MSBI
--

Profitability

Gross Margin
MA
100.0%
MSBI
0.0%
Operating Margin
MA
57.73%
MSBI
34.15%
Profit Margin
MA
45.65%
MSBI
-46.88%
ROE
MA
209.91%
MSBI
-19.47%
ROA
MA
23.72%
MSBI
-1.77%

Growth

Revenue Growth
MA
17.6%
MSBI
278.7%
Earnings Growth
MA
24.2%
MSBI
--

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
MSBI
5.36%
Payout Ratio
MA
18.4%
MSBI
124.75%

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
MSBI BEARISH

MSBI exhibits severe fundamental deterioration, highlighted by a weak Piotroski F-Score of 2/9 and negative profitability metrics (ROE -19.47%, ROA -1.77%). While the stock has seen strong 1-year price appreciation, the underlying financial health is precarious, evidenced by a dividend payout ratio of 124.75% which is fundamentally unsustainable. The combination of a bearish technical trend (10/100), consistent earnings misses (0/4 in the last year), and negative profit margins suggests the current price is detached from the company's operational reality.

Strengths
Strong 1-year price performance (+67.8%)
Low Forward P/E ratio (8.63)
Price-to-Book ratio near 1.10, suggesting fair asset valuation
Risks
Unsustainable dividend payout ratio (124.75%)
Severe fundamental weakness (Piotroski F-Score 2/9)
Negative profit margins (-46.88%) and negative ROE

Compare Another Pair

MA vs MSBI: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Midland States Bancorp, Inc. (MSBI) 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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