WallStSmart

Huntington Bancshares Incorporated (HBAN)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 52134% more annual revenue ($4.02T vs $7.69B). HBAN leads profitability with a 28.7% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).

HBAN

Strong Buy

66

out of 100

Grade: B-

Growth: 5.3Profit: 7.5Value: 7.3Quality: 4.0
Piotroski: 3/9

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HBANSignificantly Overvalued (-89.7%)

Margin of Safety

-89.7%

Fair Value

$9.45

Current Price

$15.54

$6.09 premium

UndervaluedFair: $9.45Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HBAN4 strengths · Avg: 9.8/10
P/E RatioValuation
11.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.8%10/10

Strong operational efficiency at 39.8%

Profit MarginProfitability
28.7%9/10

Keeps 29 of every $100 in revenue as profit

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

HBAN3 concerns · Avg: 3.0/10
PEG RatioValuation
1.724/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-10.9%2/10

Earnings declined 10.9%

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : HBAN

The strongest argument for HBAN centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.8%. Revenue growth of 10.3% 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 : HBAN

The primary concerns for HBAN are PEG Ratio, Piotroski F-Score, EPS Growth.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

HBAN carries more volatility with a beta of 0.97 — expect wider price swings.

HBAN is growing revenue faster at 10.3% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 66/100), backed by strong 26.1% margins. 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.

Huntington Bancshares Incorporated

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Huntington Bancshares Incorporated is a bank holding company headquartered in Columbus, Ohio.

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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