WallStSmart

ACNB Corporation (ACNB)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 2739006% more annual revenue ($4.02T vs $146.68M). MFG leads profitability with a 26.1% profit margin vs 25.3%. ACNB trades at a lower P/E of 12.8x. MFG earns a higher WallStSmart Score of 74/100 (B).

ACNB

Strong Buy

71

out of 100

Grade: B

Growth: 9.3Profit: 7.5Value: 8.3Quality: 4.5
Piotroski: 2/9Altman Z: -0.32

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ACNBUndervalued (+68.7%)

Margin of Safety

+68.7%

Fair Value

$168.48

Current Price

$47.20

$121.28 discount

UndervaluedFair: $168.48Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACNB6 strengths · Avg: 9.2/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.9%10/10

Strong operational efficiency at 41.9%

Revenue GrowthGrowth
37.6%10/10

Revenue surging 37.6% year-over-year

Profit MarginProfitability
25.3%9/10

Keeps 25 of every $100 in revenue as profit

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
34.8%8/10

Earnings expanding 34.8% YoY

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

Areas to Watch

ACNB3 concerns · Avg: 2.7/10
Market CapQuality
$476.76M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.322/10

Distress zone — elevated risk

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : ACNB

The strongest argument for ACNB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.3% and operating margin at 41.9%. Revenue growth of 37.6% demonstrates continued momentum.

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.

Bear Case : ACNB

The primary concerns for ACNB are Market Cap, Piotroski F-Score, Altman Z-Score.

Bear Case : MFG

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

Key Dynamics to Monitor

ACNB profiles as a growth stock while MFG is a mature play — different risk/reward profiles.

ACNB carries more volatility with a beta of 0.85 — expect wider price swings.

ACNB is growing revenue faster at 37.6% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 71/100), backed by strong 26.1% margins. ACNB offers better value entry with a 68.7% 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.

ACNB Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ACNB Corporation, a financial holding company, provides banking, insurance and financial services to individual, commercial and government clients in the United States. The company is headquartered in Gettysburg, Pennsylvania.

Visit Website →

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.

Want to dig deeper into these stocks?