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MA vs OBK

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
OBK
Origin Bancorp, Inc.
NEUTRAL
Price
$46.82
Market Cap
$1.45B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
OBK
18.15
Forward P/E
MA
22.05
OBK
11.02
P/B Ratio
MA
57.74
OBK
1.15
P/S Ratio
MA
13.6
OBK
4.13
EV/EBITDA
MA
22.13
OBK
--

Profitability

Gross Margin
MA
100.0%
OBK
0.0%
Operating Margin
MA
57.73%
OBK
38.45%
Profit Margin
MA
45.65%
OBK
22.97%
ROE
MA
209.91%
OBK
6.59%
ROA
MA
23.72%
OBK
0.81%

Growth

Revenue Growth
MA
17.6%
OBK
9.3%
Earnings Growth
MA
24.2%
OBK
25.4%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
OBK
2.14%
Payout Ratio
MA
18.4%
OBK
23.26%

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
OBK NEUTRAL

Origin Bancorp presents a stark contrast between strong growth and poor fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is attractively valued below its Graham Number ($48.67) and significantly below its intrinsic value ($76.11), the low health score suggests underlying operational or financial instability. Strong earnings growth (25.4% YoY) and a consistent track record of beating estimates provide a bullish catalyst, but these are offset by a bearish technical trend and low ROE. The overall outlook is neutral until the fundamental health metrics improve to match the growth trajectory.

Strengths
Strong earnings growth (25.4% YoY) and robust Q/Q revenue growth (29.9%)
Consistent earnings beat track record (3 of last 4 quarters)
Attractive valuation trading below Graham Number and Intrinsic Value
Risks
Critical fundamental health weakness indicated by Piotroski F-Score of 2/9
Low Return on Equity (6.59%) and Return on Assets (0.81%) for the banking sector
Bearish technical trend (10/100) despite recent price gains

Compare Another Pair

MA vs OBK: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Origin Bancorp, Inc. (OBK) 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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