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MA vs TOWN

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
TOWN
TowneBank
NEUTRAL
Price
$36.12
Market Cap
$3.33B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
TOWN
16.34
Forward P/E
MA
22.05
TOWN
9.34
P/B Ratio
MA
57.74
TOWN
1.16
P/S Ratio
MA
13.6
TOWN
4.11
EV/EBITDA
MA
22.13
TOWN
--

Profitability

Gross Margin
MA
100.0%
TOWN
0.0%
Operating Margin
MA
57.73%
TOWN
35.21%
Profit Margin
MA
45.65%
TOWN
20.88%
ROE
MA
209.91%
TOWN
7.46%
ROA
MA
23.72%
TOWN
0.92%

Growth

Revenue Growth
MA
17.6%
TOWN
26.1%
Earnings Growth
MA
24.2%
TOWN
-4.1%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
TOWN
2.99%
Payout Ratio
MA
18.4%
TOWN
47.96%

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
TOWN NEUTRAL

TOWN presents a stable but conflicted profile, anchored by a Piotroski F-Score of 4/9 (Stable) and a Graham Number of $39.33, suggesting the stock is currently undervalued relative to its defensive fair value. While revenue growth is exceptionally strong at 26.10% YoY, this has not yet translated into bottom-line earnings growth, which remains slightly negative (-4.10% YoY). The significant gap between the Graham Number ($39.33) and the growth-based Intrinsic Value ($15.47) indicates that the market is pricing in stability and asset value rather than aggressive growth. Overall, the stock is a value play with strong top-line momentum but lagging profitability efficiency.

Strengths
Strong top-line growth with 26.10% YoY revenue increase
Attractive valuation with a Price/Book ratio of 1.16
Significant forward P/E compression (9.34 vs current 16.34) suggesting expected earnings recovery
Risks
Negative YoY earnings growth (-4.10%) despite high revenue growth
Bearish technical trend (0/100) indicating lack of immediate price momentum
Low Return on Equity (7.47%) compared to high-performing regional peers

Compare Another Pair

MA vs TOWN: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and TowneBank (TOWN) 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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