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MA vs MYFW

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MYFW
First Western Financial, Inc.
NEUTRAL
Price
$26.72
Market Cap
$260.1M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MYFW
19.94
Forward P/E
MA
22.05
MYFW
10.77
P/B Ratio
MA
57.74
MYFW
0.98
P/S Ratio
MA
13.6
MYFW
2.68
EV/EBITDA
MA
22.13
MYFW
--

Profitability

Gross Margin
MA
100.0%
MYFW
0.0%
Operating Margin
MA
57.73%
MYFW
17.43%
Profit Margin
MA
45.65%
MYFW
13.61%
ROE
MA
209.91%
MYFW
5.09%
ROA
MA
23.72%
MYFW
0.43%

Growth

Revenue Growth
MA
17.6%
MYFW
5.8%
Earnings Growth
MA
24.2%
MYFW
21.5%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
MYFW
--
Payout Ratio
MA
18.4%
MYFW
0.0%

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
MYFW NEUTRAL

MYFW presents a stark contrast between attractive valuation and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades below its Graham Number ($28.69) and Intrinsic Value ($39.53), and is priced slightly below book value (P/B 0.98), these value signals are offset by poor operational efficiency and a consistent track record of earnings misses. The combination of heavy insider selling and a bearish technical trend suggests that the market is discounting the current valuation in favor of fundamental risks.

Strengths
Trading below Graham Number ($28.69) and Intrinsic Value ($39.53)
Price-to-Book ratio of 0.98 indicates the stock is trading at a slight discount to assets
Strong 1-year price appreciation of 50.1%
Risks
Critical financial health warning with a Piotroski F-Score of 2/9
Poor earnings reliability with 0 beats in the last 4 quarters and an average surprise of -19.44%
Aggressive insider selling with 9 sell transactions and 0 buys in the last 6 months

Compare Another Pair

MA vs MYFW: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and First Western Financial, Inc. (MYFW) 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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