WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsQCR Holdings Inc (QCRH)

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Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 1926707% more annual revenue ($7.26T vs $376.81M). QCRH leads profitability with a 37.6% profit margin vs 27.5%. QCRH appears more attractively valued with a PEG of 1.02. MUFG earns a higher WallStSmart Score of 81/100 (A-).

MUFG

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.7Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 6/9Altman Z: 0.37

QCRH

Buy

61

out of 100

Grade: C+

Growth: 4.7Profit: 7.5Value: 6.3Quality: 5.5
Piotroski: 5/9Altman Z: 0.31

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$244.25B10/10

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
14.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

QCRH4 strengths · Avg: 9.5/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
37.6%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Areas to Watch

MUFG2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.161/10

Elevated debt levels

QCRH4 concerns · Avg: 2.8/10
EPS GrowthGrowth
2.3%4/10

2.3% earnings growth

Market CapQuality
$1.69B3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-2.5%2/10

Revenue declined 2.5%

Altman Z-ScoreHealth
0.312/10

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 : QCRH

The strongest argument for QCRH centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 37.6% and operating margin at 43.7%. PEG of 1.02 suggests the stock is reasonably priced for its growth.

Bear Case : MUFG

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

Bear Case : QCRH

The primary concerns for QCRH are EPS Growth, Market Cap, Revenue Growth.

Key Dynamics to Monitor

MUFG profiles as a growth stock while QCRH is a declining play — different risk/reward profiles.

QCRH carries more volatility with a beta of 0.73 — expect wider price swings.

MUFG is growing revenue faster at 28.8% — sustainability is the question.

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

Bottom Line

MUFG scores higher overall (81/100 vs 61/100), backed by strong 27.5% margins and 28.8% revenue growth. Both earn "Exceptional Buy" and "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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QCR Holdings Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.

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