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MA vs OVLY

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
OVLY
Oak Valley Bancorp
NEUTRAL
Price
$34.65
Market Cap
$291.5M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
OVLY
12.03
Forward P/E
MA
22.05
OVLY
--
P/B Ratio
MA
57.74
OVLY
1.37
P/S Ratio
MA
13.6
OVLY
3.6
EV/EBITDA
MA
22.13
OVLY
--

Profitability

Gross Margin
MA
100.0%
OVLY
0.0%
Operating Margin
MA
57.73%
OVLY
41.34%
Profit Margin
MA
45.65%
OVLY
29.55%
ROE
MA
209.91%
OVLY
12.22%
ROA
MA
23.72%
OVLY
1.22%

Growth

Revenue Growth
MA
17.6%
OVLY
5.9%
Earnings Growth
MA
24.2%
OVLY
5.5%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
OVLY
2.17%
Payout Ratio
MA
18.4%
OVLY
20.83%

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
OVLY NEUTRAL

OVLY presents a valuation disconnect, with a stable Piotroski F-Score of 4/9 and a current price of $34.65 trading significantly below its Graham Number ($40.42) and Intrinsic Value ($43.92). While fundamental profitability is healthy with an ROE of 12.22% and a very sustainable dividend payout ratio of 20.83%, the outlook is tempered by a highly bearish technical trend score (10/100) and net bearish insider activity. The company shows steady but modest growth, positioning it as a value play that is currently facing technical headwinds.

Strengths
Trading at a discount to Graham Number ($40.42) and Intrinsic Value ($43.92)
Strong profitability metrics for a regional bank (ROE 12.22%, ROA 1.22%)
Highly sustainable dividend payout ratio at 20.83%
Risks
Severely bearish technical trend score (10/100) suggesting potential momentum reversal
Net bearish insider sentiment with recent director sales
Modest revenue and earnings growth (approx 5-6% YoY)

Compare Another Pair

MA vs OVLY: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Oak Valley Bancorp (OVLY) 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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