WallStSmart

Banner Corporation (BANR)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 620234% more annual revenue ($4.02T vs $647.69M). BANR leads profitability with a 30.2% 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).

BANR

Strong Buy

69

out of 100

Grade: B-

Growth: 5.3Profit: 9.0Value: 10.0Quality: 3.8
Piotroski: 4/9Altman Z: -0.76

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

BANRUndervalued (+53.9%)

Margin of Safety

+53.9%

Fair Value

$140.32

Current Price

$60.06

$80.26 discount

UndervaluedFair: $140.32Overvalued
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

BANR4 strengths · Avg: 10.0/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.2%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
38.9%10/10

Strong operational efficiency at 38.9%

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

BANR3 concerns · Avg: 3.3/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.9%4/10

4.9% revenue growth

Altman Z-ScoreHealth
-0.762/10

Distress zone — elevated risk

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : BANR

The strongest argument for BANR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.2% and operating margin at 38.9%.

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 : BANR

The primary concerns for BANR are PEG Ratio, Revenue Growth, Altman Z-Score.

Bear Case : MFG

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

Key Dynamics to Monitor

BANR profiles as a value stock while MFG is a mature play — different risk/reward profiles.

BANR carries more volatility with a beta of 0.89 — expect wider price swings.

MFG is growing revenue faster at 5.5% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 69/100), backed by strong 26.1% margins. BANR offers better value entry with a 53.9% 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.

Banner Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Banner Corporation is Banner Bank's banking holding company providing commercial and financial banking products and services to individuals, businesses, and public sector entities in the United States. The company is headquartered in Walla Walla, Washington.

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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