Sierra Bancorp (BSRR)vsMizuho Financial Group Inc. (MFG)
BSRR
Sierra Bancorp
$33.50
+0.60%
FINANCIAL SERVICES · Cap: $437.51M
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 2693177% more annual revenue ($4.02T vs $149.18M). BSRR leads profitability with a 28.4% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. BSRR earns a higher WallStSmart Score of 76/100 (B+).
BSRR
Strong Buy76
out of 100
Grade: B+
MFG
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.7%
Fair Value
$145.55
Current Price
$33.50
$112.05 discount
Margin of Safety
+42.4%
Fair Value
$17.51
Current Price
$7.81
$9.70 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 42.7%
Keeps 28 of every $100 in revenue as profit
Earnings expanding 32.3% YoY
Reasonable price relative to book value
Strong operational efficiency at 36.3%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : BSRR
The strongest argument for BSRR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.4% and operating margin at 42.7%. Revenue growth of 13.2% demonstrates continued momentum.
Bull Case : MFG
The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bear Case : BSRR
The primary concerns for BSRR are Market Cap, Debt/Equity.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Key Dynamics to Monitor
BSRR carries more volatility with a beta of 0.75 — expect wider price swings.
BSRR is growing revenue faster at 13.2% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BSRR scores higher overall (76/100 vs 74/100), backed by strong 28.4% margins and 13.2% revenue growth. MFG offers better value entry with a 42.4% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Sierra Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Sierra Bancorp is the bank holding company for Bank of the Sierra that provides retail and business banking services to individuals and businesses in California. The company is headquartered in Porterville, California.
Mizuho Financial Group Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.
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