WallStSmart

Mizuho Financial Group Inc. (MFG)vsFirst Financial Corporation Indiana (THFF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1583968% more annual revenue ($4.02T vs $253.64M). THFF leads profitability with a 31.2% profit margin vs 26.1%. 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

THFF

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 7.3Quality: 5.0
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
THFFUndervalued (+78.9%)

Margin of Safety

+78.9%

Fair Value

$312.62

Current Price

$62.37

$250.25 discount

UndervaluedFair: $312.62Overvalued

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

THFF5 strengths · Avg: 9.6/10
P/E RatioValuation
9.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.2%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
34.2%10/10

Strong operational efficiency at 34.2%

EPS GrowthGrowth
31.6%8/10

Earnings expanding 31.6% YoY

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

THFF3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.8%4/10

4.8% revenue growth

Market CapQuality
$741.70M3/10

Smaller company, higher risk/reward

PEG RatioValuation
9.512/10

Expensive relative to growth rate

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 : THFF

The strongest argument for THFF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 34.2%.

Bear Case : MFG

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

Bear Case : THFF

The primary concerns for THFF are Revenue Growth, Market Cap, PEG Ratio.

Key Dynamics to Monitor

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

THFF carries more volatility with a beta of 0.40 — 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 68/100), backed by strong 26.1% margins. THFF offers better value entry with a 78.9% 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.

First Financial Corporation Indiana

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Financial Corporation, provides various financial services. The company is headquartered in Terre Haute, Indiana.

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