No connection

Search Results

MA vs ORRF

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
ORRF
Orrstown Financial Services, Inc.
BULLISH
Price
$38.69
Market Cap
$759.1M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
ORRF
9.26
Forward P/E
MA
22.05
ORRF
8.94
P/B Ratio
MA
57.74
ORRF
1.28
P/S Ratio
MA
13.6
ORRF
3.01
EV/EBITDA
MA
22.13
ORRF
--

Profitability

Gross Margin
MA
100.0%
ORRF
0.0%
Operating Margin
MA
57.73%
ORRF
47.07%
Profit Margin
MA
45.65%
ORRF
32.07%
ROE
MA
209.91%
ORRF
14.59%
ROA
MA
23.72%
ORRF
1.47%

Growth

Revenue Growth
MA
17.6%
ORRF
8.0%
Earnings Growth
MA
24.2%
ORRF
55.9%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
ORRF
2.84%
Payout Ratio
MA
18.4%
ORRF
25.36%

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
ORRF BULLISH

ORRF presents a compelling value opportunity, trading significantly below its Graham Number ($53.4) and Intrinsic Value ($123.31). While the Piotroski F-Score of 3/9 indicates weak short-term financial health trends, this is offset by an exceptional earnings track record with consistent beats over 25 quarters and a strong ROE of 14.59%. The stock is fundamentally undervalued with a P/E of 9.26, though bearish insider activity and technical trends suggest a period of consolidation before a potential breakout.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional earnings growth (55.9% YoY) and consistent EPS beats
Strong profitability metrics with 14.59% ROE and 1.47% ROA
Risks
Weak Piotroski F-Score (3/9) suggesting deteriorating fundamental health
Bearish insider sentiment with recent sales by the CEO and other officers
Strongly bearish technical trend (10/100)

Compare Another Pair

MA vs ORRF: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Orrstown Financial Services, Inc. (ORRF) 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.

Home
Terminal
AI
Markets
Profile