WallStSmart

Bank of Hawaii Corporation (BOH)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 569701% more annual revenue ($4.02T vs $705.13M). BOH leads profitability with a 29.2% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. BOH earns a higher WallStSmart Score of 75/100 (B+).

BOH

Strong Buy

75

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 10.0Quality: 7.0
Piotroski: 5/9Altman Z: 0.31

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

BOHUndervalued (+64.4%)

Margin of Safety

+64.4%

Fair Value

$216.68

Current Price

$74.00

$142.68 discount

UndervaluedFair: $216.68Overvalued
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

BOH6 strengths · Avg: 9.2/10
Operating MarginProfitability
42.7%10/10

Strong operational efficiency at 42.7%

EPS GrowthGrowth
63.4%10/10

Earnings expanding 63.4% YoY

Debt/EquityHealth
0.0510/10

Conservative balance sheet, low leverage

Profit MarginProfitability
29.2%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

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

BOH2 concerns · Avg: 3.0/10
PEG RatioValuation
2.104/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.312/10

Distress zone — elevated risk

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : BOH

The strongest argument for BOH centers on Operating Margin, EPS Growth, Debt/Equity. Profitability is solid with margins at 29.2% and operating margin at 42.7%. Revenue growth of 17.4% 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 : BOH

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

Bear Case : MFG

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

Key Dynamics to Monitor

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

BOH carries more volatility with a beta of 0.72 — expect wider price swings.

BOH is growing revenue faster at 17.4% — sustainability is the question.

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

Bottom Line

BOH scores higher overall (75/100 vs 74/100), backed by strong 29.2% margins and 17.4% revenue growth. MFG offers better value entry with a 42.4% 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.

Bank of Hawaii Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bank of Hawaii Corporation is the bank holding company for Bank of Hawaii, offering a variety of financial products and services in Hawaii, Guam, and other Pacific Islands. The company is headquartered in Honolulu, Hawaii.

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.

Want to dig deeper into these stocks?