WallStSmart

Dime Community Bancshares, Inc. (DCOM)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1078951% more annual revenue ($4.74T vs $439.07M). DCOM leads profitability with a 29.4% profit margin vs 29.1%. MFG appears more attractively valued with a PEG of 1.83. MFG earns a higher WallStSmart Score of 82/100 (A-).

DCOM

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 5.0Quality: 5.0
Piotroski: 6/9Altman Z: -0.53

MFG

Exceptional Buy

82

out of 100

Grade: A-

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

DCOM4 strengths · Avg: 9.3/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
44.6%10/10

Strong operational efficiency at 44.6%

Profit MarginProfitability
29.4%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
14.9x8/10

Attractively priced relative to earnings

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
46.0%10/10

Strong operational efficiency at 46.0%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$127.18B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

Areas to Watch

DCOM3 concerns · Avg: 2.3/10
Market CapQuality
$1.82B3/10

Smaller company, higher risk/reward

PEG RatioValuation
3.762/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.532/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.834/10

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 : DCOM

The strongest argument for DCOM centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.4% and operating margin at 44.6%. Revenue growth of 12.0% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Revenue Growth, Free Cash Flow. Profitability is solid with margins at 29.1% and operating margin at 46.0%. Revenue growth of 35.0% demonstrates continued momentum.

Bear Case : DCOM

The primary concerns for DCOM are Market Cap, PEG Ratio, 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

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

DCOM carries more volatility with a beta of 0.99 — expect wider price swings.

MFG is growing revenue faster at 35.0% — sustainability is the question.

MFG generates stronger free cash flow (487.7B), providing more financial flexibility.

Bottom Line

MFG scores higher overall (82/100 vs 63/100), backed by strong 29.1% margins and 35.0% revenue growth. Both earn "Exceptional Buy" and "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.

Dime Community Bancshares, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Dime Community Bancshares, Inc. is the parent company of Dime Community Bank providing commercial banking and financial services in New York. The company is headquartered in Hauppauge, New York.

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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