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MA vs SSBI

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
SSBI
Summit State Bank
NEUTRAL
Price
$13.73
Market Cap
$93.0M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
SSBI
13.59
Forward P/E
MA
22.05
SSBI
--
P/B Ratio
MA
57.74
SSBI
0.92
P/S Ratio
MA
13.6
SSBI
2.83
EV/EBITDA
MA
22.13
SSBI
--

Profitability

Gross Margin
MA
100.0%
SSBI
0.0%
Operating Margin
MA
57.73%
SSBI
19.05%
Profit Margin
MA
45.65%
SSBI
20.71%
ROE
MA
209.91%
SSBI
7.05%
ROA
MA
23.72%
SSBI
0.66%

Growth

Revenue Growth
MA
17.6%
SSBI
327.5%
Earnings Growth
MA
24.2%
SSBI
--

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
SSBI
--
Payout Ratio
MA
18.4%
SSBI
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
SSBI NEUTRAL

SSBI presents a contradictory profile characterized by a weak Piotroski F-Score of 3/9, indicating poor financial health, and a missing Altman Z-Score. While the stock trades below its Graham Number ($18.43) and Book Value (P/B 0.92), it is significantly overpriced relative to its growth-based Intrinsic Value of $7.07. Massive YoY revenue growth (327.5%) suggests a non-organic event or accounting shift, while a bearish technical trend (10/100) and low ROA (0.66%) signal underlying instability. The valuation is attractive from a defensive standpoint, but the fundamental health is concerning.

Strengths
Trading below book value (P/B 0.92)
Current price is below the Graham Number ($18.43)
Low P/E ratio (13.59) relative to sector average (43.17)
Risks
Weak financial health as indicated by Piotroski F-Score (3/9)
Significant gap between current price ($13.73) and intrinsic value ($7.07)
Extremely low ROA (0.66%) for a regional bank

Compare Another Pair

MA vs SSBI: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Summit State Bank (SSBI) 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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