WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsWashington Trust Bancorp Inc (WASH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 3945136% more annual revenue ($8.51T vs $215.81M). MUFG leads profitability with a 28.5% profit margin vs 24.4%. MUFG appears more attractively valued with a PEG of 1.73. MUFG earns a higher WallStSmart Score of 73/100 (B).

MUFG

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 7/9Altman Z: 0.37

WASH

Buy

58

out of 100

Grade: C

Growth: 4.7Profit: 7.0Value: 5.0Quality: 5.0
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$227.34B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
39.5%10/10

Strong operational efficiency at 39.5%

Free Cash FlowQuality
$8.09T10/10

Generating 8.1T in free cash flow

Profit MarginProfitability
28.5%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

WASH4 strengths · Avg: 9.3/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
31.9%10/10

Strong operational efficiency at 31.9%

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

Areas to Watch

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.521/10

Elevated debt levels

WASH4 concerns · Avg: 3.0/10
EPS GrowthGrowth
4.8%4/10

4.8% earnings growth

Market CapQuality
$666.34M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.173/10

Elevated debt levels

PEG RatioValuation
2.762/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : MUFG

The strongest argument for MUFG centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 28.5% and operating margin at 39.5%. Revenue growth of 11.7% demonstrates continued momentum.

Bull Case : WASH

The strongest argument for WASH centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 31.9%.

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 : WASH

The primary concerns for WASH are EPS Growth, Market Cap, Debt/Equity.

Key Dynamics to Monitor

MUFG profiles as a mature stock while WASH is a declining play — different risk/reward profiles.

WASH carries more volatility with a beta of 0.74 — expect wider price swings.

MUFG is growing revenue faster at 11.7% — sustainability is the question.

MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.

Bottom Line

MUFG scores higher overall (73/100 vs 58/100), backed by strong 28.5% margins and 11.7% revenue growth. Both earn "Strong 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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Washington Trust Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Washington Trust Bancorp, Inc. is the banking holding company for The Washington Trust Company of Westerly, offering a variety of banking and financial services to individuals and businesses. The company is headquartered in Westerly, Rhode Island.

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