WallStSmart

Mizuho Financial Group Inc. (MFG)vsNorthwest Bancshares Inc (NWBI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 670560% more annual revenue ($4.02T vs $599.09M). MFG leads profitability with a 26.1% profit margin vs 21.0%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0

NWBI

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 6.5Value: 10.0Quality: 5.8
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued
NWBIUndervalued (+52.4%)

Margin of Safety

+52.4%

Fair Value

$27.31

Current Price

$12.51

$14.80 discount

UndervaluedFair: $27.31Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

NWBI6 strengths · Avg: 9.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.9%10/10

Strong operational efficiency at 39.9%

Profit MarginProfitability
21.0%9/10

Keeps 21 of every $100 in revenue as profit

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.5x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
25.1%8/10

Revenue surging 25.1% year-over-year

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

NWBI3 concerns · Avg: 3.3/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Market CapQuality
$1.82B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.2%3/10

ROE of 7.2% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : MFG

The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bull Case : NWBI

The strongest argument for NWBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 21.0% and operating margin at 39.9%. Revenue growth of 25.1% demonstrates continued momentum.

Bear Case : MFG

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

Bear Case : NWBI

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

Key Dynamics to Monitor

MFG profiles as a mature stock while NWBI is a growth play — different risk/reward profiles.

NWBI carries more volatility with a beta of 0.66 — expect wider price swings.

NWBI is growing revenue faster at 25.1% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 71/100), backed by strong 26.1% margins. NWBI offers better value entry with a 52.4% margin of safety. 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.

Northwest Bancshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Northwest Bancshares, Inc. is a Northwest Bank holding company offering a variety of personal and business banking solutions. The company is headquartered in Warren, Pennsylvania.

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