WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 2904877% more annual revenue ($4.40T vs $151.53M). BWB leads profitability with a 35.5% profit margin vs 28.4%. BWB appears more attractively valued with a PEG of 0.74. BWB earns a higher WallStSmart Score of 82/100 (A-).

BWB

Exceptional Buy

82

out of 100

Grade: A-

Growth: 9.3Profit: 7.5Value: 7.7Quality: 4.0
Piotroski: 4/9Altman Z: -0.61

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

BWB6 strengths · Avg: 10.0/10
P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
35.5%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
55.2%10/10

Strong operational efficiency at 55.2%

Revenue GrowthGrowth
46.2%10/10

Revenue surging 46.2% year-over-year

EPS GrowthGrowth
87.1%10/10

Earnings expanding 87.1% YoY

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
$115.97B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Areas to Watch

BWB2 concerns · Avg: 2.5/10
Market CapQuality
$528.39M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.612/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.654/10

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 35.5% and operating margin at 55.2%. Revenue growth of 46.2% 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 : 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 0.58 — expect wider price swings.

BWB is growing revenue faster at 46.2% — 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

BWB scores higher overall (82/100 vs 78/100), backed by strong 35.5% margins and 46.2% revenue growth. Both earn "Exceptional 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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