Mizuho Financial Group Inc. (MFG)vsNBT Bancorp Inc (NBTB)
MFG
Mizuho Financial Group Inc.
$9.58
-1.03%
FINANCIAL SERVICES · Cap: $116.83B
NBTB
NBT Bancorp Inc
$47.29
-0.04%
FINANCIAL SERVICES · Cap: $2.51B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 631828% more annual revenue ($4.40T vs $696.57M). MFG leads profitability with a 28.4% profit margin vs 26.4%. MFG appears more attractively valued with a PEG of 1.69. MFG earns a higher WallStSmart Score of 78/100 (B+).
MFG
Strong Buy78
out of 100
Grade: B+
NBTB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 32.5%
Earnings expanding 680.0% YoY
Generating 487.7B in free cash flow
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 40.6%
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 21.6% year-over-year
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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, 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 : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 26.4% and operating margin at 40.6%. Revenue growth of 21.6% 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 : NBTB
The primary concerns for NBTB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NBTB carries more volatility with a beta of 0.50 — expect wider price swings.
NBTB is growing revenue faster at 21.6% — 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 74/100), 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.
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.
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