WallStSmart

Dime Community Bancshares, Inc. (DCOM)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1030857% more annual revenue ($4.40T vs $426.96M). DCOM leads profitability with a 29.0% profit margin vs 28.4%. MFG appears more attractively valued with a PEG of 1.69. MFG earns a higher WallStSmart Score of 78/100 (B+).

DCOM

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 7.5Value: 5.0Quality: 5.0
Piotroski: 6/9Altman Z: -0.53

MFG

Strong Buy

78

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DCOM6 strengths · Avg: 9.2/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
44.2%10/10

Strong operational efficiency at 44.2%

EPS GrowthGrowth
65.9%10/10

Earnings expanding 65.9% YoY

Profit MarginProfitability
29.0%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
18.1%8/10

18.1% revenue growth

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
32.5%10/10

Strong operational efficiency at 32.5%

EPS GrowthGrowth
680.0%10/10

Earnings expanding 680.0% YoY

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$116.83B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.5x8/10

Attractively priced relative to earnings

Areas to Watch

DCOM3 concerns · Avg: 2.3/10
Market CapQuality
$1.77B3/10

Smaller company, higher risk/reward

PEG RatioValuation
3.762/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.532/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.694/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.881/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : DCOM

The strongest argument for DCOM centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 29.0% and operating margin at 44.2%. Revenue growth of 18.1% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 32.5%. Revenue growth of 16.7% demonstrates continued momentum.

Bear Case : DCOM

The primary concerns for DCOM are Market Cap, PEG Ratio, Altman Z-Score.

Bear Case : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.88 is elevated, increasing financial risk.

Key Dynamics to Monitor

DCOM carries more volatility with a beta of 1.00 — expect wider price swings.

DCOM is growing revenue faster at 18.1% — sustainability is the question.

MFG generates stronger free cash flow (487.7B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (78/100 vs 67/100), backed by strong 28.4% margins and 16.7% revenue growth. 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.

Dime Community Bancshares, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Dime Community Bancshares, Inc. is the parent company of Dime Community Bank providing commercial banking and financial services in New York. The company is headquartered in Hauppauge, New York.

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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