WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsNorwood Financial Corp (NWFL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 7283302% more annual revenue ($7.26T vs $99.69M). NWFL leads profitability with a 28.9% profit margin vs 27.5%. MUFG appears more attractively valued with a PEG of 1.94. MUFG earns a higher WallStSmart Score of 79/100 (B+).

MUFG

Strong Buy

79

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 7/9Altman Z: 0.37

NWFL

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 6.3Quality: 5.5
Piotroski: 5/9Altman Z: -0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$271.15B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
45.6%10/10

Strong operational efficiency at 45.6%

EPS GrowthGrowth
50.9%10/10

Earnings expanding 50.9% YoY

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
16.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

NWFL6 strengths · Avg: 9.7/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
44.9%10/10

Strong operational efficiency at 44.9%

Revenue GrowthGrowth
34.7%10/10

Revenue surging 34.7% year-over-year

Profit MarginProfitability
28.9%9/10

Keeps 29 of every $100 in revenue as profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Areas to Watch

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.944/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.161/10

Elevated debt levels

NWFL3 concerns · Avg: 3.0/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Market CapQuality
$378.41M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.642/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MUFG

The strongest argument for MUFG centers on Market Cap, Operating Margin, EPS Growth. Profitability is solid with margins at 27.5% and operating margin at 45.6%. Revenue growth of 28.8% demonstrates continued momentum.

Bull Case : NWFL

The strongest argument for NWFL centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.9% and operating margin at 44.9%. Revenue growth of 34.7% demonstrates continued momentum.

Bear Case : MUFG

The primary concerns for MUFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.16 is elevated, increasing financial risk.

Bear Case : NWFL

The primary concerns for NWFL are PEG Ratio, Market Cap, Altman Z-Score.

Key Dynamics to Monitor

NWFL carries more volatility with a beta of 0.53 — expect wider price swings.

NWFL is growing revenue faster at 34.7% — sustainability is the question.

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

Bottom Line

MUFG scores higher overall (79/100 vs 73/100), backed by strong 27.5% margins and 28.8% 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.

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Norwood Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Norwood Financial Corp. The company is headquartered in Honesdale, Pennsylvania.

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