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MA vs OPBK

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
OPBK
OP Bancorp
BULLISH
Price
$14.12
Market Cap
$210.3M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
OPBK
8.21
Forward P/E
MA
22.05
OPBK
6.8
P/B Ratio
MA
57.74
OPBK
0.92
P/S Ratio
MA
13.6
OPBK
2.31
EV/EBITDA
MA
22.13
OPBK
--

Profitability

Gross Margin
MA
100.0%
OPBK
0.0%
Operating Margin
MA
57.73%
OPBK
44.48%
Profit Margin
MA
45.65%
OPBK
28.14%
ROE
MA
209.91%
OPBK
11.84%
ROA
MA
23.72%
OPBK
1.02%

Growth

Revenue Growth
MA
17.6%
OPBK
20.3%
Earnings Growth
MA
24.2%
OPBK
42.7%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
OPBK
3.4%
Payout Ratio
MA
18.4%
OPBK
27.91%

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
OPBK BULLISH

OPBK presents a compelling deep-value opportunity, trading significantly below its Graham Number ($24.34) and Intrinsic Value ($50.74). While the Piotroski F-Score of 4/9 indicates only stable financial health and technical trends are currently bearish, the company's fundamental growth is robust with YoY earnings growth of 42.70%. The stock is trading at a discount to book value (P/B 0.92) and a low P/E of 8.21, suggesting significant margin of safety. The bullish outlook is driven by strong profitability and valuation, despite weak insider sentiment.

Strengths
Deep value valuation with P/B of 0.92 and P/E of 8.21
Strong growth profile with 42.70% YoY earnings growth
Significant margin of safety relative to Graham Number ($24.34)
Risks
Bearish technical trend (0/100) suggesting short-term momentum headwinds
Weak insider sentiment (30/100) including CFO selling
Piotroski F-Score of 4/9 indicates only mediocre financial health

Compare Another Pair

MA vs OPBK: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and OP Bancorp (OPBK) 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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