WallStSmart

First Busey Corp (BUSE)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 602417% more annual revenue ($4.02T vs $666.84M). MFG leads profitability with a 26.1% profit margin vs 20.3%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).

BUSE

Strong Buy

74

out of 100

Grade: B

Growth: 9.3Profit: 6.0Value: 10.0Quality: 4.5
Piotroski: 3/9Altman Z: -0.02

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

BUSEUndervalued (+61.6%)

Margin of Safety

+61.6%

Fair Value

$68.80

Current Price

$24.90

$43.90 discount

UndervaluedFair: $68.80Overvalued
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

BUSE6 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
70.5%10/10

Revenue surging 70.5% year-over-year

Profit MarginProfitability
20.3%9/10

Keeps 20 of every $100 in revenue as profit

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
16.7x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
26.9%8/10

Earnings expanding 26.9% 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

BUSE4 concerns · Avg: 3.0/10
PEG RatioValuation
1.914/10

Expensive relative to growth rate

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.022/10

Distress zone — elevated risk

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : BUSE

The strongest argument for BUSE centers on Price/Book, Revenue Growth, Profit Margin. Profitability is solid with margins at 20.3% and operating margin at 17.6%. Revenue growth of 70.5% 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 : BUSE

The primary concerns for BUSE are PEG Ratio, Return on Equity, Piotroski F-Score.

Bear Case : MFG

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

Key Dynamics to Monitor

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

BUSE carries more volatility with a beta of 0.73 — expect wider price swings.

BUSE is growing revenue faster at 70.5% — sustainability is the question.

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

Bottom Line

BUSE scores higher overall (74/100 vs 74/100), backed by strong 20.3% margins and 70.5% 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.

First Busey Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Busey Corporation is the banking holding company for Busey Bank offering retail and commercial banking products and services to individual, corporate, institutional and government clients in the United States. The company is headquartered in Champaign, Illinois.

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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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