WallStSmart

Bank First National Corp (BFC)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 2273335% more annual revenue ($4.40T vs $193.62M). BFC leads profitability with a 37.8% profit margin vs 28.4%. BFC appears more attractively valued with a PEG of 0.10. MFG earns a higher WallStSmart Score of 78/100 (B+).

BFC

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 7.0Quality: 6.3
Piotroski: 7/9Altman Z: 0.35

MFG

Strong Buy

78

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BFC6 strengths · Avg: 9.5/10
PEG RatioValuation
0.1010/10

Growing faster than its price suggests

Profit MarginProfitability
37.8%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
42.9%10/10

Strong operational efficiency at 42.9%

Revenue GrowthGrowth
49.1%10/10

Revenue surging 49.1% year-over-year

Debt/EquityHealth
0.159/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
32.5%10/10

Strong operational efficiency at 32.5%

EPS GrowthGrowth
680.0%10/10

Earnings expanding 680.0% YoY

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$116.83B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.5x8/10

Attractively priced relative to earnings

Areas to Watch

BFC4 concerns · Avg: 2.3/10
Market CapQuality
$1.63B3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-2.2%2/10

Earnings declined 2.2%

Free Cash FlowQuality
$-16.89M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.352/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.694/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.881/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BFC

The strongest argument for BFC centers on PEG Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 37.8% and operating margin at 42.9%. Revenue growth of 49.1% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 32.5%. Revenue growth of 16.7% demonstrates continued momentum.

Bear Case : BFC

The primary concerns for BFC are Market Cap, EPS Growth, Free Cash Flow.

Bear Case : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.88 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

BFC is growing revenue faster at 49.1% — sustainability is the question.

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

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

Bottom Line

MFG scores higher overall (78/100 vs 64/100), backed by strong 28.4% margins and 16.7% revenue growth. 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.

Bank First National Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bank First Corporation is a Bank First NA holding company providing business and consumer financial services to businesses, professionals and consumers in Wisconsin. The company is headquartered in Manitowoc, Wisconsin.

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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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