WallStSmart

Mizuho Financial Group Inc. (MFG)vsM&T Bank Corporation (MTB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 43056% more annual revenue ($4.02T vs $9.31B). MTB leads profitability with a 31.5% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.93. MTB earns a higher WallStSmart Score of 77/100 (B+).

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 7.0Quality: 5.0

MTB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 7.0Quality: 5.0
Piotroski: 6/9Altman Z: -0.32

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFG6 strengths · Avg: 8.7/10
Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$107.90B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.938/10

Growing faster than its price suggests

P/E RatioValuation
16.4x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

MTB5 strengths · Avg: 9.6/10
P/E RatioValuation
12.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.5%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
38.9%10/10

Strong operational efficiency at 38.9%

EPS GrowthGrowth
24.4%8/10

Earnings expanding 24.4% YoY

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

MTB1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.322/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.93 suggests the stock is reasonably priced for its growth.

Bull Case : MTB

The strongest argument for MTB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.5% and operating margin at 38.9%. PEG of 1.37 suggests the stock is reasonably priced for its growth.

Bear Case : MFG

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

Bear Case : MTB

The primary concerns for MTB are Altman Z-Score.

Key Dynamics to Monitor

MTB carries more volatility with a beta of 0.59 — expect wider price swings.

MTB is growing revenue faster at 5.7% — sustainability is the question.

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

Bottom Line

MTB scores higher overall (77/100 vs 74/100), backed by strong 31.5% 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.

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.

M&T Bank Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.

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