WallStSmart

Mizuho Financial Group Inc. (MFG)vsOhio Valley Banc Corp (OVBC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 6257130% more annual revenue ($4.02T vs $64.21M). MFG leads profitability with a 26.1% profit margin vs 22.1%. OVBC trades at a lower P/E of 11.9x. 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

OVBC

Buy

52

out of 100

Grade: C-

Growth: 6.0Profit: 7.0Value: 8.3Quality: 7.8
Piotroski: 5/9
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
OVBCUndervalued (+43.0%)

Margin of Safety

+43.0%

Fair Value

$75.12

Current Price

$42.25

$32.87 discount

UndervaluedFair: $75.12Overvalued

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

OVBC5 strengths · Avg: 9.4/10
P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Operating MarginProfitability
25.8%8/10

Strong operational efficiency at 25.8%

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

OVBC2 concerns · Avg: 3.5/10
Revenue GrowthGrowth
4.9%4/10

4.9% revenue growth

Market CapQuality
$168.42M3/10

Smaller company, higher risk/reward

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 : OVBC

The strongest argument for OVBC centers on P/E Ratio, Price/Book, Debt/Equity. Profitability is solid with margins at 22.1% and operating margin at 25.8%.

Bear Case : MFG

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

Bear Case : OVBC

The primary concerns for OVBC are Revenue Growth, Market Cap.

Key Dynamics to Monitor

MFG profiles as a mature stock while OVBC is a value play — different risk/reward profiles.

MFG carries more volatility with a beta of 0.20 — expect wider price swings.

MFG is growing revenue faster at 5.5% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 52/100), backed by strong 26.1% margins. OVBC offers better value entry with a 43.0% margin of safety. 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.

Ohio Valley Banc Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Ohio Valley Banc Corp. The company is headquartered in Gallipolis, Ohio.

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