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MA vs NWBI

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NWBI
Northwest Bancshares, Inc.
BULLISH
Price
$13.29
Market Cap
$1.94B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
NWBI
14.6
Forward P/E
MA
22.05
NWBI
9.34
P/B Ratio
MA
57.74
NWBI
1.03
P/S Ratio
MA
13.6
NWBI
3.24
EV/EBITDA
MA
22.13
NWBI
--

Profitability

Gross Margin
MA
100.0%
NWBI
0.0%
Operating Margin
MA
57.73%
NWBI
39.86%
Profit Margin
MA
45.65%
NWBI
21.03%
ROE
MA
209.91%
NWBI
7.23%
ROA
MA
23.72%
NWBI
0.81%

Growth

Revenue Growth
MA
17.6%
NWBI
25.1%
Earnings Growth
MA
24.2%
NWBI
14.3%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
NWBI
5.98%
Payout Ratio
MA
18.4%
NWBI
86.96%

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
NWBI BULLISH

NWBI presents a compelling value opportunity, trading significantly below both its Graham Number ($16.28) and Intrinsic Value ($25.89). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company demonstrates strong growth momentum with 25.10% YoY revenue growth and a consistent track record of earnings beats. The primary tension lies between strong fundamental value and a very bearish technical trend (10/100). The high dividend yield is a draw, though the payout ratio suggests limited room for further increases.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY revenue growth of 25.10%
Consistent earnings beat history over 25 quarters
Risks
Unsustainably high dividend payout ratio (86.96%)
Very bearish technical trend (10/100)
Mediocre Piotroski F-Score (4/9) suggesting stagnant operational improvement

Compare Another Pair

MA vs NWBI: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Northwest Bancshares, Inc. (NWBI) 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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