WallStSmart

Glacier Bancorp Inc (GBCI)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 424289% more annual revenue ($4.40T vs $1.04B). MFG leads profitability with a 28.4% profit margin vs 25.7%. MFG appears more attractively valued with a PEG of 1.65. MFG earns a higher WallStSmart Score of 78/100 (B+).

GBCI

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 5.0Quality: 4.5
Piotroski: 5/9Altman Z: 1.16

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

GBCI5 strengths · Avg: 9.4/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.5%10/10

Strong operational efficiency at 41.5%

Revenue GrowthGrowth
39.7%10/10

Revenue surging 39.7% year-over-year

Profit MarginProfitability
25.7%9/10

Keeps 26 of every $100 in revenue as profit

EPS GrowthGrowth
31.3%8/10

Earnings expanding 31.3% YoY

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
$115.97B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Areas to Watch

GBCI3 concerns · Avg: 3.0/10
PEG RatioValuation
1.754/10

Expensive relative to growth rate

Return on EquityProfitability
6.3%3/10

ROE of 6.3% — below average capital efficiency

Altman Z-ScoreHealth
1.162/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.654/10

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 : GBCI

The strongest argument for GBCI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.7% and operating margin at 41.5%. Revenue growth of 39.7% 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 : GBCI

The primary concerns for GBCI are PEG Ratio, Return on Equity, 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

GBCI carries more volatility with a beta of 0.74 — expect wider price swings.

GBCI is growing revenue faster at 39.7% — 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 77/100), 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.

Glacier Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Glacier Bancorp, Inc. is the bank holding company for Glacier Bank providing commercial banking services to individuals, small and medium-sized businesses, community organizations, and public entities in the United States. The company is headquartered in Kalispell, Montana.

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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