WallStSmart

Mizuho Financial Group Inc. (MFG)vsNortheast Bancorp (NBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1911551% more annual revenue ($4.40T vs $230.26M). NBN leads profitability with a 42.7% profit margin vs 28.4%. 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

NBN

Strong Buy

75

out of 100

Grade: B+

Growth: 10.0Profit: 8.0Value: 5.7Quality: 3.5
Piotroski: 5/9Altman Z: -0.44

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

NBN6 strengths · Avg: 9.7/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

Profit MarginProfitability
42.7%10/10

Keeps 43 of every $100 in revenue as profit

Operating MarginProfitability
65.5%10/10

Strong operational efficiency at 65.5%

Revenue GrowthGrowth
34.6%10/10

Revenue surging 34.6% year-over-year

EPS GrowthGrowth
58.3%10/10

Earnings expanding 58.3% YoY

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

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

NBN4 concerns · Avg: 2.5/10
Market CapQuality
$1.04B3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.303/10

Elevated debt levels

PEG RatioValuation
5.272/10

Expensive relative to growth rate

Free Cash FlowQuality
$-10.41M2/10

Negative free cash flow — burning cash

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 : NBN

The strongest argument for NBN centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 42.7% and operating margin at 65.5%. Revenue growth of 34.6% 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 : NBN

The primary concerns for NBN are Market Cap, Debt/Equity, PEG Ratio.

Key Dynamics to Monitor

NBN carries more volatility with a beta of 0.60 — expect wider price swings.

NBN is growing revenue faster at 34.6% — 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 75/100), 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.

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.

Northeast Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Northeast Bank offers personal and business banking services in Maine, United States. The company is headquartered in Portland, Maine.

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