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MA vs RBB

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
RBB
RBB Bancorp
NEUTRAL
Price
$24.18
Market Cap
$412.9M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
RBB
13.21
Forward P/E
MA
22.05
RBB
10.4
P/B Ratio
MA
57.74
RBB
0.79
P/S Ratio
MA
13.6
RBB
3.63
EV/EBITDA
MA
22.13
RBB
--

Profitability

Gross Margin
MA
100.0%
RBB
0.0%
Operating Margin
MA
57.73%
RBB
36.14%
Profit Margin
MA
45.65%
RBB
28.12%
ROE
MA
209.91%
RBB
6.2%
ROA
MA
23.72%
RBB
0.78%

Growth

Revenue Growth
MA
17.6%
RBB
--
Earnings Growth
MA
24.2%
RBB
--

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
RBB
2.79%
Payout Ratio
MA
18.4%
RBB
34.97%

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
RBB NEUTRAL

RBB Bancorp presents a complex value proposition with a stable Piotroski F-Score of 4/9 and a Graham Number of $35.54, suggesting significant defensive undervaluation. However, this is countered by a low growth-based intrinsic value of $12.81 and a bearish technical trend score of 10/100. While the company shows explosive YoY EPS growth and trades below book value (P/B 0.79), the low ROE of 6.2% and neutral insider sentiment suggest a lack of strong internal conviction. The stock is currently trading at a equilibrium point between its defensive fair value and its growth-based intrinsic value.

Strengths
Trading at a discount to book value (P/B 0.79)
Strong earnings track record with 3/4 recent beats and high average surprise (36.78%)
Low P/E ratio (13.21) and Forward P/E (10.40) relative to sector averages
Risks
Low Return on Equity (ROE) of 6.20% indicating inefficient capital usage
Significant gap between current price ($24.18) and growth-based intrinsic value ($12.81)
Bearish technical trend score (10/100) despite recent price gains

Compare Another Pair

MA vs RBB: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and RBB Bancorp (RBB) 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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