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MA vs TBBK

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
TBBK
The Bancorp, Inc.
NEUTRAL
Price
$60.96
Market Cap
$2.57B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
TBBK
12.39
Forward P/E
MA
22.05
TBBK
7.53
P/B Ratio
MA
57.74
TBBK
3.74
P/S Ratio
MA
13.6
TBBK
4.89
EV/EBITDA
MA
22.13
TBBK
--

Profitability

Gross Margin
MA
100.0%
TBBK
0.0%
Operating Margin
MA
57.73%
TBBK
59.75%
Profit Margin
MA
45.65%
TBBK
43.37%
ROE
MA
209.91%
TBBK
30.85%
ROA
MA
23.72%
TBBK
2.52%

Growth

Revenue Growth
MA
17.6%
TBBK
2.3%
Earnings Growth
MA
24.2%
TBBK
11.9%

Financial Health

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

Dividends

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

TBBK presents a conflicting profile characterized by a stable Piotroski F-Score of 4/9 and a valuation that sits between its defensive Graham Number ($42.46) and growth-based Intrinsic Value ($122.26). While the company boasts an exceptional ROE of 30.85% and an attractive forward P/E of 7.53, it has failed to beat earnings estimates in the last four consecutive quarters. Significant regulatory risks regarding capital adequacy and a bearish technical trend (0/100) temper the bullish valuation metrics. The stock currently functions as a value play with concerning short-term execution and regulatory headwinds.

Strengths
Exceptional Return on Equity (ROE) of 30.85%
Attractive valuation with a Forward P/E of 7.53 and PEG of 1.07
Strong profitability with a profit margin of 43.37%
Risks
Poor recent earnings performance (0/4 beats in last 4 quarters)
High regulatory risk from OCC and FDIC regarding capital adequacy
Stagnant YoY revenue growth of only 2.30%

Compare Another Pair

MA vs TBBK: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and The Bancorp, Inc. (TBBK) 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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