WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 705712% more annual revenue ($4.74T vs $671.55M). BANR leads profitability with a 31.0% profit margin vs 29.1%. MFG appears more attractively valued with a PEG of 1.55. MFG earns a higher WallStSmart Score of 82/100 (A-).

BANR

Strong Buy

69

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 6.3Quality: 6.5
Piotroski: 5/9Altman Z: -0.76

MFG

Exceptional Buy

82

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BANR5 strengths · Avg: 9.8/10
P/E RatioValuation
11.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.0%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
37.7%10/10

Strong operational efficiency at 37.7%

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
46.7%10/10

Strong operational efficiency at 46.7%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$133.88B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
17.2x8/10

Attractively priced relative to earnings

Areas to Watch

BANR2 concerns · Avg: 3.0/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.762/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.554/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.911/10

Elevated debt levels

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 31.0% and operating margin at 37.7%.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Revenue Growth, Free Cash Flow. Profitability is solid with margins at 29.1% and operating margin at 46.7%. Revenue growth of 35.0% demonstrates continued momentum.

Bear Case : BANR

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

Bear Case : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.91 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

BANR carries more volatility with a beta of 0.83 — expect wider price swings.

MFG is growing revenue faster at 35.0% — sustainability is the question.

MFG generates stronger free cash flow (487.7B), providing more financial flexibility.

Bottom Line

MFG scores higher overall (82/100 vs 69/100), backed by strong 29.1% margins and 35.0% revenue growth. Both earn "Exceptional 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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