Cullen/Frost Bankers Inc (CFR)vsMizuho Financial Group Inc. (MFG)
CFR
Cullen/Frost Bankers Inc
$135.33
+0.40%
FINANCIAL SERVICES · Cap: $8.52B
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 183275% more annual revenue ($4.02T vs $2.19B). CFR leads profitability with a 29.6% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).
CFR
Strong Buy69
out of 100
Grade: B-
MFG
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+27.7%
Fair Value
$202.37
Current Price
$135.33
$67.04 discount
Margin of Safety
+42.4%
Fair Value
$17.51
Current Price
$7.81
$9.70 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 34.5%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 36.3%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : CFR
The strongest argument for CFR centers on Operating Margin, Profit Margin, P/E Ratio. Profitability is solid with margins at 29.6% and operating margin at 34.5%.
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 : CFR
The primary concerns for CFR are PEG Ratio, Piotroski F-Score.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Key Dynamics to Monitor
CFR carries more volatility with a beta of 0.62 — expect wider price swings.
CFR is growing revenue faster at 9.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 69/100), backed by strong 26.1% margins. CFR offers better value entry with a 27.7% 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.
Cullen/Frost Bankers Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Cullen / Frost Bankers, Inc. is the banking holding company for Frost Bank offering commercial and consumer banking services in Texas. The company is headquartered in San Antonio, Texas.
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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