Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsNBT Bancorp Inc (NBTB)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$22.49
-0.13%
FINANCIAL SERVICES · Cap: $253.17B
NBTB
NBT Bancorp Inc
$52.66
-0.47%
FINANCIAL SERVICES · Cap: $2.72B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 963411% more annual revenue ($6.71T vs $696.57M). NBTB leads profitability with a 26.4% profit margin vs 25.8%. MUFG appears more attractively valued with a PEG of 1.99. NBTB earns a higher WallStSmart Score of 74/100 (B).
MUFG
Strong Buy71
out of 100
Grade: B
NBTB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 116.9%
Generating 8.1T in free cash flow
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 40.6%
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 21.6% year-over-year
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MUFG
The strongest argument for MUFG centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 25.8% and operating margin at 116.9%. Revenue growth of 11.7% demonstrates continued momentum.
Bull Case : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 40.6%. Revenue growth of 21.6% demonstrates continued momentum.
Bear Case : MUFG
The primary concerns for MUFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.52 is elevated, increasing financial risk.
Bear Case : NBTB
The primary concerns for NBTB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
MUFG profiles as a mature stock while NBTB is a growth play — different risk/reward profiles.
NBTB carries more volatility with a beta of 0.49 — expect wider price swings.
NBTB is growing revenue faster at 21.6% — sustainability is the question.
MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.
Bottom Line
NBTB scores higher overall (74/100 vs 71/100), backed by strong 26.4% margins and 21.6% revenue growth. 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.
Mitsubishi UFJ Financial Group Inc ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Mitsubishi UFJ Financial Group, Inc., a banking holding company, offers financial services in Japan, the United States, and Asia / Oceania. The company is headquartered in Tokyo, Japan.
Visit Website →NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?