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MA vs OBT

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
OBT
Orange County Bancorp, Inc.
BULLISH
Price
$35.15
Market Cap
$469.9M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
OBT
10.62
Forward P/E
MA
22.05
OBT
9.01
P/B Ratio
MA
57.74
OBT
1.65
P/S Ratio
MA
13.6
OBT
3.93
EV/EBITDA
MA
22.13
OBT
--

Profitability

Gross Margin
MA
100.0%
OBT
0.0%
Operating Margin
MA
57.73%
OBT
44.68%
Profit Margin
MA
45.65%
OBT
34.84%
ROE
MA
209.91%
OBT
17.71%
ROA
MA
23.72%
OBT
1.61%

Growth

Revenue Growth
MA
17.6%
OBT
14.7%
Earnings Growth
MA
24.2%
OBT
47.3%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
OBT
1.75%
Payout Ratio
MA
18.4%
OBT
17.12%

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
OBT BULLISH

OBT presents a compelling value-growth opportunity, characterized by a stable Piotroski F-Score of 4/9 and a current price ($35.15) trading below its Graham Number ($39.80). The company exhibits exceptional profitability with an ROE of 17.71% and explosive earnings growth (47.3% YoY), significantly outperforming sector averages. While the technical trend score is paradoxically low, the actual price performance shows strong momentum (+63.2% 1Y). The massive gap between the current price and the growth-based intrinsic value ($97.64) suggests significant upside potential.

Strengths
Strong earnings growth (47.3% YoY and 73.5% Q/Q)
High ROE (17.71%) compared to sector average (0.13%)
Trading at a discount to Graham Number ($39.80) and Intrinsic Value ($97.64)
Risks
Moderate financial health as indicated by a Piotroski F-Score of 4/9
Low dividend yield (1.75%) may not attract income-focused investors
Regional bank sector sensitivity to interest rate volatility

Compare Another Pair

MA vs OBT: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Orange County Bancorp, Inc. (OBT) 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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