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MA vs SBCF

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
SBCF
Seacoast Banking Corporation of Florida
NEUTRAL
Price
$32.73
Market Cap
$3.21B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
SBCF
20.85
Forward P/E
MA
22.05
SBCF
11.89
P/B Ratio
MA
57.74
SBCF
1.17
P/S Ratio
MA
13.6
SBCF
5.36
EV/EBITDA
MA
22.13
SBCF
--

Profitability

Gross Margin
MA
100.0%
SBCF
0.0%
Operating Margin
MA
57.73%
SBCF
43.75%
Profit Margin
MA
45.65%
SBCF
24.21%
ROE
MA
209.91%
SBCF
5.53%
ROA
MA
23.72%
SBCF
0.8%

Growth

Revenue Growth
MA
17.6%
SBCF
32.4%
Earnings Growth
MA
24.2%
SBCF
-23.4%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
SBCF
2.32%
Payout Ratio
MA
18.4%
SBCF
46.5%

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
SBCF NEUTRAL

SBCF presents a conflicting profile with a stable Piotroski F-Score of 4/9 and a current price ($32.73) trading slightly above its Graham Number ($31.45) but significantly above its growth-based intrinsic value ($10.99). While revenue growth is robust at 32.40% YoY, this has not translated to the bottom line, as evidenced by a -23.40% decline in earnings growth and a low ROE of 5.53%. The stock is currently facing strong headwinds from bearish insider sentiment and a very weak technical trend (10/100), suggesting a potential peak in price momentum.

Strengths
Strong top-line revenue growth (32.40% YoY and 52.97% Q/Q)
Reasonable Price-to-Book ratio of 1.17
Sustainable dividend payout ratio of 46.50%
Risks
Negative YoY earnings growth (-23.40%) indicating margin compression
Low profitability metrics (ROE 5.53%, ROA 0.80%)
Bearish insider activity with multiple director/officer sales

Compare Another Pair

MA vs SBCF: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Seacoast Banking Corporation of Florida (SBCF) 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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