WallStSmart

Bridgewater Bancshares Inc (BWB)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 2788283% more annual revenue ($4.40T vs $157.79M). BWB leads profitability with a 35.7% profit margin vs 28.4%. BWB appears more attractively valued with a PEG of 0.74. MFG earns a higher WallStSmart Score of 80/100 (B+).

BWB

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 7.7Quality: 4.0
Piotroski: 4/9Altman Z: -0.61

MFG

Strong Buy

80

out of 100

Grade: B+

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

BWB6 strengths · Avg: 9.3/10
P/E RatioValuation
11.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
35.7%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
47.8%10/10

Strong operational efficiency at 47.8%

PEG RatioValuation
0.748/10

Growing faster than its price suggests

Revenue GrowthGrowth
18.4%8/10

18.4% revenue growth

MFG6 strengths · Avg: 9.3/10
Revenue GrowthGrowth
44.9%10/10

Revenue surging 44.9% year-over-year

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
$120.24B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

Areas to Watch

BWB2 concerns · Avg: 2.5/10
Market CapQuality
$569.38M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.612/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.734/10

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 : BWB

The strongest argument for BWB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.7% and operating margin at 47.8%. Revenue growth of 18.4% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Revenue Growth, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 25.9%. Revenue growth of 44.9% demonstrates continued momentum.

Bear Case : BWB

The primary concerns for BWB are Market Cap, Altman Z-Score.

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

BWB carries more volatility with a beta of 0.57 — expect wider price swings.

MFG is growing revenue faster at 44.9% — 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 (80/100 vs 74/100), backed by strong 28.4% margins and 44.9% revenue growth. 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.

Bridgewater Bancshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bridgewater Bancshares, Inc. is the banking holding company for Bridgewater Bank providing banking products and services to commercial real estate investors, small business entrepreneurs and high net worth individuals in the United States. The company is headquartered in Saint Louis Park, Minnesota.

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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