WallStSmart

Mizuho Financial Group Inc. (MFG)vsNorwood Financial Corp (NWFL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 4752104% more annual revenue ($4.40T vs $92.63M). MFG leads profitability with a 28.4% profit margin vs 27.8%. 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

NWFL

Buy

65

out of 100

Grade: C+

Growth: 6.7Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 5/9Altman Z: -0.64

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

NWFL5 strengths · Avg: 9.8/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
40.6%10/10

Strong operational efficiency at 40.6%

Revenue GrowthGrowth
33.4%10/10

Revenue surging 33.4% year-over-year

Profit MarginProfitability
27.8%9/10

Keeps 28 of every $100 in revenue as profit

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

NWFL4 concerns · Avg: 2.8/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Market CapQuality
$336.52M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-44.7%2/10

Earnings declined 44.7%

Altman Z-ScoreHealth
-0.642/10

Distress zone — elevated risk

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 : NWFL

The strongest argument for NWFL centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.8% and operating margin at 40.6%. Revenue growth of 33.4% 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 : NWFL

The primary concerns for NWFL are PEG Ratio, Market Cap, EPS Growth.

Key Dynamics to Monitor

NWFL carries more volatility with a beta of 0.55 — expect wider price swings.

NWFL is growing revenue faster at 33.4% — 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 65/100), backed by strong 28.4% margins and 16.7% revenue growth. Both earn "Strong 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.

Norwood Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Norwood Financial Corp. The company is headquartered in Honesdale, Pennsylvania.

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