Mizuho Financial Group Inc. (MFG)vsNBT Bancorp Inc (NBTB)
MFG
Mizuho Financial Group Inc.
$9.39
+0.11%
FINANCIAL SERVICES · Cap: $116.98B
NBTB
NBT Bancorp Inc
$52.83
-0.26%
FINANCIAL SERVICES · Cap: $2.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 654755% more annual revenue ($4.74T vs $723.81M). NBTB leads profitability with a 29.7% profit margin vs 29.1%. MFG appears more attractively valued with a PEG of 1.40. MFG earns a higher WallStSmart Score of 84/100 (A-).
MFG
Exceptional Buy84
out of 100
Grade: A-
NBTB
Buy55
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 46.7%
Revenue surging 35.0% year-over-year
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
4.5% revenue growth
Operating margin of 0.0%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MFG
The strongest argument for MFG centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 29.1% and operating margin at 46.7%. Revenue growth of 35.0% demonstrates continued momentum.
Bull Case : NBTB
The strongest argument for NBTB centers on Price/Book, Profit Margin, Debt/Equity. Profitability is solid with margins at 29.7%.
Bear Case : MFG
The primary concerns for MFG are Altman Z-Score, Debt/Equity. Debt-to-equity of 5.91 is elevated, increasing financial risk.
Bear Case : NBTB
The primary concerns for NBTB are Revenue Growth, Operating Margin, PEG Ratio.
Key Dynamics to Monitor
MFG profiles as a growth stock while NBTB is a value play — different risk/reward profiles.
NBTB carries more volatility with a beta of 0.49 — expect wider price swings.
MFG is growing revenue faster at 35.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (84/100 vs 55/100), backed by strong 29.1% margins and 35.0% revenue growth. Both earn "Exceptional 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.
NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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