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MA vs SBFG

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
SBFG
SB Financial Group, Inc.
BULLISH
Price
$22.54
Market Cap
$142.1M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
SBFG
10.29
Forward P/E
MA
22.05
SBFG
8.74
P/B Ratio
MA
57.74
SBFG
1.0
P/S Ratio
MA
13.6
SBFG
2.2
EV/EBITDA
MA
22.13
SBFG
--

Profitability

Gross Margin
MA
100.0%
SBFG
0.0%
Operating Margin
MA
57.73%
SBFG
31.39%
Profit Margin
MA
45.65%
SBFG
21.65%
ROE
MA
209.91%
SBFG
10.4%
ROA
MA
23.72%
SBFG
0.96%

Growth

Revenue Growth
MA
17.6%
SBFG
7.5%
Earnings Growth
MA
24.2%
SBFG
13.4%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
SBFG
2.79%
Payout Ratio
MA
18.4%
SBFG
27.4%

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
SBFG BULLISH

SBFG presents a compelling deep-value opportunity, anchored by a stable Piotroski F-Score of 4/9 and a current price ($22.54) that trades at a significant discount to both its Graham Number ($33.30) and Intrinsic Value ($59.35). The company demonstrates exceptional operational consistency, evidenced by a strong earnings beat track record over 25 consecutive quarters. While technical trends and insider sentiment are currently bearish, the fundamental valuation (P/B of 1.00 and P/E of 10.29) provides a substantial margin of safety. The combination of steady earnings growth and a sustainable dividend payout makes this a strong defensive play in the regional banking sector.

Strengths
Significant undervaluation relative to Graham Number ($33.3) and Intrinsic Value ($59.35)
Exceptional earnings track record with consistent beats over 25 quarters
Attractive valuation multiples (P/E 10.29, P/B 1.00)
Risks
Very bearish technical trend (10/100) suggesting short-term momentum headwinds
Lack of insider buying activity and recent director selling
Low analyst coverage (only 1 analyst), leading to potential information asymmetry

Compare Another Pair

MA vs SBFG: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and SB Financial Group, Inc. (SBFG) 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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