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MA vs PBFS

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
PBFS
Pioneer Bancorp, Inc.
NEUTRAL
Price
$14.10
Market Cap
$344.2M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
PBFS
16.99
Forward P/E
MA
22.05
PBFS
--
P/B Ratio
MA
57.74
PBFS
1.06
P/S Ratio
MA
13.6
PBFS
3.72
EV/EBITDA
MA
22.13
PBFS
--

Profitability

Gross Margin
MA
100.0%
PBFS
0.0%
Operating Margin
MA
57.73%
PBFS
30.87%
Profit Margin
MA
45.65%
PBFS
21.91%
ROE
MA
209.91%
PBFS
6.46%
ROA
MA
23.72%
PBFS
0.98%

Growth

Revenue Growth
MA
17.6%
PBFS
15.7%
Earnings Growth
MA
24.2%
PBFS
16.8%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
PBFS
--
Payout Ratio
MA
18.4%
PBFS
0.0%

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
PBFS NEUTRAL

PBFS presents a valuation paradox: it trades below both its Graham Number ($15.74) and Intrinsic Value ($24.48), yet exhibits significant fundamental weakness. The Piotroski F-Score of 3/9 indicates a 'Weak' health status, suggesting deteriorating financial quality despite strong YoY revenue (15.7%) and earnings (16.8%) growth. Bearish insider sentiment and a 0/100 technical trend further dampen the outlook, offsetting the attractive Price-to-Book ratio of 1.06.

Strengths
Trading below Graham Number ($15.74) and Intrinsic Value ($24.48)
Strong YoY Revenue growth of 15.70%
Strong YoY Earnings growth of 16.80%
Risks
Weak Piotroski F-Score (3/9) indicating poor financial health trends
Bearish insider activity with net selling
Technical trend is currently 0/100 (Bearish)

Compare Another Pair

MA vs PBFS: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Pioneer Bancorp, Inc. (PBFS) 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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