WallStSmart

Mizuho Financial Group Inc. (MFG)vsPeoples Bancorp Inc (PEBO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 963071% more annual revenue ($4.02T vs $417.15M). MFG leads profitability with a 26.1% profit margin vs 25.6%. 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

PEBO

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 10.0Quality: 4.0
Piotroski: 2/9
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
PEBOUndervalued (+67.2%)

Margin of Safety

+67.2%

Fair Value

$101.66

Current Price

$32.12

$69.54 discount

UndervaluedFair: $101.66Overvalued

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

PEBO4 strengths · Avg: 9.8/10
P/E RatioValuation
10.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
38.0%10/10

Strong operational efficiency at 38.0%

Profit MarginProfitability
25.6%9/10

Keeps 26 of every $100 in revenue as profit

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

PEBO3 concerns · Avg: 3.3/10
Revenue GrowthGrowth
3.7%4/10

3.7% revenue growth

Market CapQuality
$1.13B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

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 : PEBO

The strongest argument for PEBO centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 25.6% and operating margin at 38.0%. PEG of 1.45 suggests the stock is reasonably priced for its growth.

Bear Case : MFG

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

Bear Case : PEBO

The primary concerns for PEBO are Revenue Growth, Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

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

PEBO carries more volatility with a beta of 0.65 — 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 69/100), backed by strong 26.1% margins. PEBO offers better value entry with a 67.2% 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.

Peoples Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Peoples Bancorp Inc. is the holding company of Peoples Bank offering commercial and retail banking products and services. The company is headquartered in Marietta, Ohio.

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