WallStSmart

Bank of Marin Bancorp (BMRC)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 14087169% more annual revenue ($4.02T vs $28.52M). MFG leads profitability with a 26.1% profit margin vs -125.1%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).

BMRC

Buy

55

out of 100

Grade: C-

Growth: 7.3Profit: 4.0Value: 6.0Quality: 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

BMRCUndervalued (+6.1%)

Margin of Safety

+6.1%

Fair Value

$29.02

Current Price

$24.80

$4.22 discount

UndervaluedFair: $29.02Overvalued
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

BMRC3 strengths · Avg: 10.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
140.5%10/10

Strong operational efficiency at 140.5%

EPS GrowthGrowth
67.9%10/10

Earnings expanding 67.9% 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

BMRC4 concerns · Avg: 2.8/10
P/E RatioValuation
38.7x4/10

Premium valuation, high expectations priced in

Market CapQuality
$386.79M3/10

Smaller company, higher risk/reward

PEG RatioValuation
2.562/10

Expensive relative to growth rate

Return on EquityProfitability
-8.6%2/10

ROE of -8.6% — below average capital efficiency

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : BMRC

The strongest argument for BMRC centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 13.0% 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 : BMRC

The primary concerns for BMRC are P/E Ratio, Market Cap, PEG Ratio.

Bear Case : MFG

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

Key Dynamics to Monitor

BMRC profiles as a turnaround stock while MFG is a mature play — different risk/reward profiles.

BMRC carries more volatility with a beta of 0.87 — expect wider price swings.

BMRC is growing revenue faster at 13.0% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 55/100), backed by strong 26.1% margins. 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 of Marin Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bank of Marin Bancorp is the holding company of Bank of Marin providing a range of financial services primarily to professionals, small and medium-sized businesses, individuals, and non-profit organizations in the San Francisco Bay Area, California in the United States. United. State. The company is headquartered in Novato, California.

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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