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MA vs NPB

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NPB
Northpointe Bancshares, Inc.
NEUTRAL
Price
$17.83
Market Cap
$615.0M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
NPB
7.96
Forward P/E
MA
22.05
NPB
5.98
P/B Ratio
MA
57.74
NPB
1.04
P/S Ratio
MA
13.6
NPB
2.45
EV/EBITDA
MA
22.13
NPB
--

Profitability

Gross Margin
MA
100.0%
NPB
0.0%
Operating Margin
MA
57.73%
NPB
46.08%
Profit Margin
MA
45.65%
NPB
35.12%
ROE
MA
209.91%
NPB
15.01%
ROA
MA
23.72%
NPB
1.33%

Growth

Revenue Growth
MA
17.6%
NPB
27.9%
Earnings Growth
MA
24.2%
NPB
24.2%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
NPB
0.56%
Payout Ratio
MA
18.4%
NPB
4.46%

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
NPB NEUTRAL

NPB presents a classic value trap profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health despite strong top-line growth. While the stock trades at a significant discount to its Graham Number ($29.36) and Intrinsic Value ($66.08), this valuation is offset by bearish technicals, insider selling, and a poor earnings track record (1/4 beats). The disconnect between high growth rates and poor financial health scores suggests underlying operational or balance sheet instability.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY Revenue Growth (27.90%) and Earnings Growth (24.20%)
Low P/E ratio (7.96) and Forward P/E (5.98) compared to sector averages
Risks
Critical financial health warning indicated by Piotroski F-Score of 2/9
Bearish insider sentiment with $1.3M in net selling over the last 6 months
Poor earnings reliability with 3 of the last 4 quarters missing estimates

Compare Another Pair

MA vs NPB: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Northpointe Bancshares, Inc. (NPB) 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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