WallStSmart

Eagle Bancorp Montana Inc (EBMT)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 4444992% more annual revenue ($4.02T vs $90.39M). MFG leads profitability with a 26.1% profit margin vs 16.4%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).

EBMT

Strong Buy

72

out of 100

Grade: B

Growth: 8.0Profit: 7.0Value: 10.0Quality: 5.0

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

EBMTUndervalued (+74.3%)

Margin of Safety

+74.3%

Fair Value

$88.92

Current Price

$20.20

$68.72 discount

UndervaluedFair: $88.92Overvalued
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

EBMT4 strengths · Avg: 9.0/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Operating MarginProfitability
27.2%8/10

Strong operational efficiency at 27.2%

EPS GrowthGrowth
40.9%8/10

Earnings expanding 40.9% 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

EBMT2 concerns · Avg: 3.5/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Market CapQuality
$161.86M3/10

Smaller company, higher risk/reward

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : EBMT

The strongest argument for EBMT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 27.2%. Revenue growth of 13.4% 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 : EBMT

The primary concerns for EBMT are PEG Ratio, Market Cap.

Bear Case : MFG

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

Key Dynamics to Monitor

EBMT carries more volatility with a beta of 0.27 — expect wider price swings.

EBMT is growing revenue faster at 13.4% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 72/100), backed by strong 26.1% margins. EBMT offers better value entry with a 74.3% 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.

Eagle Bancorp Montana Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Eagle Bancorp Montana, Inc. is the banking holding company for Opportunity Bank of Montana offering a variety of retail banking products and services to small businesses and individuals in Montana. The company is headquartered in Helena, Montana.

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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