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MA vs NFBK

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NFBK
Northfield Bancorp, Inc.
NEUTRAL
Price
$13.85
Market Cap
$578.4M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
NFBK
692.5
Forward P/E
MA
22.05
NFBK
9.23
P/B Ratio
MA
57.74
NFBK
0.84
P/S Ratio
MA
13.6
NFBK
3.94
EV/EBITDA
MA
22.13
NFBK
--

Profitability

Gross Margin
MA
100.0%
NFBK
0.0%
Operating Margin
MA
57.73%
NFBK
48.46%
Profit Margin
MA
45.65%
NFBK
0.54%
ROE
MA
209.91%
NFBK
0.11%
ROA
MA
23.72%
NFBK
0.01%

Growth

Revenue Growth
MA
17.6%
NFBK
14.2%
Earnings Growth
MA
24.2%
NFBK
--

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
NFBK
3.74%
Payout Ratio
MA
18.4%
NFBK
2600.0%

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
NFBK NEUTRAL

NFBK presents a complex profile with a Piotroski F-Score of 4/9, indicating stable but mediocre financial health. While the trailing P/E of 692.50 is an extreme outlier, the Forward P/E of 9.23 and a Price-to-Book ratio of 0.84 suggest the market is pricing in a significant earnings recovery and valuing the company below its asset base. However, current profitability is critically low (ROE 0.11%) and the dividend payout ratio of 2600% is fundamentally unsustainable. The stock is currently trading at a massive premium to its Graham Number ($2.73) and Intrinsic Value ($0.14), indicating that the current price is driven by growth expectations rather than current fundamentals.

Strengths
Attractive Forward P/E of 9.23 suggesting earnings recovery
Trading below book value (P/B 0.84)
Strong revenue growth (14.20% YoY)
Risks
Critically low ROE (0.11%) and ROA (0.01%)
Unsustainable dividend payout ratio (2600%)
Extremely thin profit margins (0.54%)

Compare Another Pair

MA vs NFBK: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Northfield Bancorp, Inc. (NFBK) 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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