WallStSmart

Mizuho Financial Group Inc. (MFG)vsMid Penn Bancorp (MPB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1832001% more annual revenue ($4.40T vs $240.26M). MFG leads profitability with a 28.4% profit margin vs 21.3%. MFG appears more attractively valued with a PEG of 1.65. MFG earns a higher WallStSmart Score of 78/100 (B+).

MFG

Strong Buy

78

out of 100

Grade: B+

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

MPB

Buy

65

out of 100

Grade: C+

Growth: 7.3Profit: 6.5Value: 5.0Quality: 6.5
Piotroski: 4/9Altman Z: -0.78

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

MPB6 strengths · Avg: 9.5/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
35.2%10/10

Strong operational efficiency at 35.2%

Revenue GrowthGrowth
33.3%10/10

Revenue surging 33.3% year-over-year

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Profit MarginProfitability
21.3%9/10

Keeps 21 of every $100 in revenue as profit

P/E RatioValuation
15.0x8/10

Attractively priced relative to earnings

Areas to Watch

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

MPB4 concerns · Avg: 2.5/10
Market CapQuality
$834.36M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.8%3/10

ROE of 5.8% — below average capital efficiency

PEG RatioValuation
12.662/10

Expensive relative to growth rate

EPS GrowthGrowth
-49.3%2/10

Earnings declined 49.3%

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : MPB

The strongest argument for MPB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 21.3% and operating margin at 35.2%. Revenue growth of 33.3% demonstrates continued momentum.

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.

Bear Case : MPB

The primary concerns for MPB are Market Cap, Return on Equity, PEG Ratio.

Key Dynamics to Monitor

MPB carries more volatility with a beta of 0.48 — expect wider price swings.

MPB is growing revenue faster at 33.3% — 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 65/100), backed by strong 28.4% margins and 16.7% revenue growth. Both earn "Strong Buy" and "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.

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.

Mid Penn Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mid Penn Bancorp, Inc. is the banking holding company for Mid Penn Bank providing commercial banking services to individuals, partnerships, non-profit organizations, and corporations. The company is headquartered in Millersburg, Pennsylvania.

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