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MA vs PEBO

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
PEBO
Peoples Bancorp Inc.
NEUTRAL
Price
$33.66
Market Cap
$1.21B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
PEBO
11.26
Forward P/E
MA
22.05
PEBO
9.48
P/B Ratio
MA
57.74
PEBO
0.97
P/S Ratio
MA
13.6
PEBO
2.9
EV/EBITDA
MA
22.13
PEBO
--

Profitability

Gross Margin
MA
100.0%
PEBO
0.0%
Operating Margin
MA
57.73%
PEBO
38.01%
Profit Margin
MA
45.65%
PEBO
25.6%
ROE
MA
209.91%
PEBO
9.21%
ROA
MA
23.72%
PEBO
1.13%

Growth

Revenue Growth
MA
17.6%
PEBO
3.7%
Earnings Growth
MA
24.2%
PEBO
17.0%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
PEBO
4.87%
Payout Ratio
MA
18.4%
PEBO
54.52%

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
PEBO NEUTRAL

PEBO presents a classic value disconnect, trading significantly below its Graham Number ($48.2) and Intrinsic Value ($88.21). While the Piotroski F-Score of 4/9 indicates stable financial health and the dividend yield of 4.87% is attractive, the stock is currently plagued by a bearish technical trend (10/100) and negative insider sentiment. Strong earnings growth (17% YoY) is offset by sluggish top-line revenue growth. Overall, it is a fundamentally sound regional bank trading at a discount, but it lacks an immediate bullish catalyst.

Strengths
Trading below book value (P/B 0.97)
Strong earnings growth (17% YoY)
Attractive dividend yield (4.87%) with a sustainable payout ratio (54.52%)
Risks
Bearish insider activity with recent sales by directors and general counsel
Extremely weak technical trend (10/100) suggesting strong selling pressure
Slow top-line revenue growth (3.7% YoY) compared to earnings

Compare Another Pair

MA vs PEBO: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Peoples Bancorp Inc. (PEBO) 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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