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MA vs MVBF

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MVBF
MVB Financial Corp.
NEUTRAL
Price
$26.32
Market Cap
$338.1M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
MVBF
12.78
Forward P/E
MA
22.05
MVBF
9.49
P/B Ratio
MA
57.74
MVBF
1.0
P/S Ratio
MA
13.6
MVBF
2.14
EV/EBITDA
MA
22.13
MVBF
--

Profitability

Gross Margin
MA
100.0%
MVBF
0.0%
Operating Margin
MA
57.73%
MVBF
15.11%
Profit Margin
MA
45.65%
MVBF
17.02%
ROE
MA
209.91%
MVBF
8.42%
ROA
MA
23.72%
MVBF
0.84%

Growth

Revenue Growth
MA
17.6%
MVBF
-20.9%
Earnings Growth
MA
24.2%
MVBF
-53.8%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
MVBF
2.59%
Payout Ratio
MA
18.4%
MVBF
33.01%

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
MVBF NEUTRAL

MVBF presents a conflicting profile characterized by a weak Piotroski F-Score of 3/9, indicating deteriorating financial health. While the Graham Number of $34.89 suggests the stock is undervalued from a defensive standpoint and it trades at a fair Price/Book of 1.00, these metrics are undermined by severe contractions in revenue (-20.9%) and earnings (-53.8%). A significant divergence exists between the 'Strong Buy' analyst consensus and the highly bearish technical trend (10/100). The company currently resembles a value trap where asset-based valuation is fighting against operational decay.

Strengths
Trading at a Price/Book ratio of 1.00, indicating fair asset valuation
Defensive fair value (Graham Number) of $34.89 is well above current price
Sustainable dividend payout ratio of 33.01%
Risks
Weak Piotroski F-Score (3/9) signals poor financial health and operational decline
Severe YoY earnings contraction of -53.80%
Significant revenue decline of -20.90% YoY

Compare Another Pair

MA vs MVBF: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and MVB Financial Corp. (MVBF) 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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