Kearny Financial Corp (KRNY)vsMizuho Financial Group Inc. (MFG)
KRNY
Kearny Financial Corp
$7.34
-0.14%
FINANCIAL SERVICES · Cap: $448.35M
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 2462651% more annual revenue ($4.02T vs $163.14M). MFG leads profitability with a 26.1% profit margin vs 19.8%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).
KRNY
Strong Buy67
out of 100
Grade: B-
MFG
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+67.0%
Fair Value
$24.34
Current Price
$7.34
$17.00 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
Reasonable price relative to book value
Strong operational efficiency at 31.1%
Earnings expanding 50.0% YoY
Attractively priced relative to earnings
15.0% revenue growth
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
ROE of 4.3% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : KRNY
The strongest argument for KRNY centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 19.8% and operating margin at 31.1%. Revenue growth of 15.0% 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 : KRNY
The primary concerns for KRNY are Market Cap, Return on Equity, PEG Ratio. Debt-to-equity of 2.63 is elevated, increasing financial risk.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Key Dynamics to Monitor
KRNY carries more volatility with a beta of 0.65 — expect wider price swings.
KRNY is growing revenue faster at 15.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 67/100), backed by strong 26.1% margins. KRNY offers better value entry with a 67.0% 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.
Kearny Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Kearny Financial Corp. The company is headquartered in Fairfield, New Jersey.
Visit Website →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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