No connection

Search Results

MA vs STBA

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
STBA
S&T Bancorp, Inc.
NEUTRAL
Price
$44.15
Market Cap
$1.62B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
STBA
12.65
Forward P/E
MA
22.05
STBA
11.61
P/B Ratio
MA
57.74
STBA
1.13
P/S Ratio
MA
13.6
STBA
4.1
EV/EBITDA
MA
22.13
STBA
--

Profitability

Gross Margin
MA
100.0%
STBA
0.0%
Operating Margin
MA
57.73%
STBA
43.66%
Profit Margin
MA
45.65%
STBA
34.01%
ROE
MA
209.91%
STBA
9.44%
ROA
MA
23.72%
STBA
1.38%

Growth

Revenue Growth
MA
17.6%
STBA
2.9%
Earnings Growth
MA
24.2%
STBA
4.0%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
STBA
3.26%
Payout Ratio
MA
18.4%
STBA
39.54%

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
STBA NEUTRAL

STBA presents a classic value trap profile: it is fundamentally undervalued relative to its Graham Number ($55.44) and Intrinsic Value ($45.37), yet it suffers from a weak Piotroski F-Score of 3/9, indicating deteriorating financial health. While the company maintains a consistent track record of earnings beats and a sustainable dividend, the sluggish growth rates and a heavily bearish technical trend (10/100) offset the valuation appeal. The stock is currently trading at a discount, but the underlying health metrics suggest caution.

Strengths
Trading below Graham Number ($55.44) and Intrinsic Value ($45.37)
Strong earnings track record with 3/4 recent beats and consistent historical surprises
Sustainable dividend profile with a 39.54% payout ratio
Risks
Weak Piotroski F-Score (3/9) signaling poor fundamental health
Very bearish technical trend (10/100) despite recent price appreciation
Sluggish year-over-year revenue growth (2.90%) and earnings growth (4.00%)

Compare Another Pair

MA vs STBA: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and S&T Bancorp, Inc. (STBA) 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.

Home
Terminal
AI
Markets
Profile