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MA vs OVBC

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
OVBC
Ohio Valley Banc Corp.
NEUTRAL
Price
$45.71
Market Cap
$215.3M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
OVBC
13.81
Forward P/E
MA
22.05
OVBC
--
P/B Ratio
MA
57.74
OVBC
1.26
P/S Ratio
MA
13.6
OVBC
3.38
EV/EBITDA
MA
22.13
OVBC
--

Profitability

Gross Margin
MA
100.0%
OVBC
0.0%
Operating Margin
MA
57.73%
OVBC
32.5%
Profit Margin
MA
45.65%
OVBC
24.51%
ROE
MA
209.91%
OVBC
9.73%
ROA
MA
23.72%
OVBC
1.01%

Growth

Revenue Growth
MA
17.6%
OVBC
-3.4%
Earnings Growth
MA
24.2%
OVBC
57.3%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
OVBC
2.19%
Payout Ratio
MA
18.4%
OVBC
27.49%

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
OVBC NEUTRAL

OVBC presents a dichotomy between strong fundamental value and deteriorating technical momentum. With a Piotroski F-Score of 4/9, the company's financial health is stable, and it currently trades below both its Graham Number ($51.88) and estimated Intrinsic Value ($97.64). However, the technical trend is severely bearish (10/100) as the price sits at its 52-week high, suggesting a potential peak. While earnings growth is impressive at 57.3%, the underlying revenue decline indicates a lack of organic growth.

Strengths
Trades below Graham Number ($51.88), suggesting defensive undervaluation
Strong YoY earnings growth of 57.30%
Sustainable dividend payout ratio of 27.49%
Risks
Negative YoY revenue growth (-3.40%) and Q/Q revenue growth (-4.64%)
Severely bearish technical trend (10/100) despite being near 52-week highs
Insider selling by the Chief Operating Officer

Compare Another Pair

MA vs OVBC: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Ohio Valley Banc Corp. (OVBC) 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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