WallStSmart

Auburn National Bancorporation Inc (AUBN)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 12423617% more annual revenue ($4.02T vs $32.34M). MFG leads profitability with a 26.1% profit margin vs 22.1%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).

AUBN

Buy

63

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 7.3Quality: 4.8
Piotroski: 2/9

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

AUBNUndervalued (+73.9%)

Margin of Safety

+73.9%

Fair Value

$95.94

Current Price

$22.95

$72.99 discount

UndervaluedFair: $95.94Overvalued
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

AUBN5 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.9%10/10

Strong operational efficiency at 32.9%

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
12.5x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
28.6%8/10

Earnings expanding 28.6% 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

AUBN3 concerns · Avg: 2.7/10
Market CapQuality
$89.44M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.332/10

Expensive relative to growth rate

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : AUBN

The strongest argument for AUBN centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 32.9%. Revenue growth of 11.5% 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 : AUBN

The primary concerns for AUBN are Market Cap, Piotroski F-Score, PEG Ratio.

Bear Case : MFG

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

Key Dynamics to Monitor

AUBN carries more volatility with a beta of 0.45 — expect wider price swings.

AUBN is growing revenue faster at 11.5% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 63/100), backed by strong 26.1% margins. AUBN offers better value entry with a 73.9% margin of safety. 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.

Auburn National Bancorporation Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Auburn National Bancorporation, Inc. is the banking holding company for AuburnBank offering various banking products and services in East Alabama. The company is headquartered in Auburn, Alabama.

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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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