WallStSmart

Ames National Corporation (ATLO)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 6633485% more annual revenue ($4.02T vs $60.57M). ATLO leads profitability with a 26.5% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).

ATLO

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 10.0Quality: 5.0

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

ATLOUndervalued (+67.5%)

Margin of Safety

+67.5%

Fair Value

$84.24

Current Price

$27.61

$56.63 discount

UndervaluedFair: $84.24Overvalued
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

ATLO6 strengths · Avg: 9.5/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.9%10/10

Strong operational efficiency at 37.9%

EPS GrowthGrowth
107.9%10/10

Earnings expanding 107.9% YoY

Profit MarginProfitability
26.5%9/10

Keeps 27 of every $100 in revenue as profit

Revenue GrowthGrowth
21.6%8/10

Revenue surging 21.6% year-over-year

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

ATLO1 concerns · Avg: 3.0/10
Market CapQuality
$189.58M3/10

Smaller company, higher risk/reward

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : ATLO

The strongest argument for ATLO centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.5% and operating margin at 37.9%. Revenue growth of 21.6% 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 : ATLO

The primary concerns for ATLO are Market Cap.

Bear Case : MFG

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

Key Dynamics to Monitor

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

ATLO carries more volatility with a beta of 0.42 — expect wider price swings.

ATLO is growing revenue faster at 21.6% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 73/100), backed by strong 26.1% margins. ATLO offers better value entry with a 67.5% 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.

Ames National Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Ames National Corporation is a multi-bank holding company offering banking products and services primarily in Adams, Boone, Clarke, Hancock, Polk, Marshall, Ringgold, Story, Taylor and Union counties in central, north-central counties. and south. --Central Iowa. The company is headquartered in Ames, Iowa.

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.

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