Mizuho Financial Group Inc. (MFG)vsSouthern First Bancshares Inc (SFST)
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
SFST
Southern First Bancshares Inc
$53.30
-0.30%
FINANCIAL SERVICES · Cap: $427.53M
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 3489447% more annual revenue ($4.02T vs $115.14M). SFST leads profitability with a 26.4% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. SFST earns a higher WallStSmart Score of 74/100 (B).
MFG
Strong Buy74
out of 100
Grade: B
SFST
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+42.4%
Fair Value
$17.51
Current Price
$7.81
$9.70 discount
Margin of Safety
+66.4%
Fair Value
$174.10
Current Price
$53.30
$120.80 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 36.3%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 44.1%
Earnings expanding 75.2% YoY
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 22.6% year-over-year
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull 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 : SFST
The strongest argument for SFST centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 26.4% and operating margin at 44.1%. Revenue growth of 22.6% demonstrates continued momentum.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Bear Case : SFST
The primary concerns for SFST are PEG Ratio, Market Cap, Free Cash Flow.
Key Dynamics to Monitor
MFG profiles as a mature stock while SFST is a growth play — different risk/reward profiles.
SFST carries more volatility with a beta of 0.75 — expect wider price swings.
SFST is growing revenue faster at 22.6% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 74/100), backed by strong 26.1% margins. SFST offers better value entry with a 66.4% 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.
Southern First Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern First Bancshares, Inc. is the banking holding company for Southern First Bank offering various banking products and services to the general public in South Carolina, North Carolina and Georgia. The company is headquartered in Greenville, South Carolina.
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