WallStSmart

Fidelity D&D Bancorp Inc (FDBC)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 4534850% more annual revenue ($4.02T vs $88.60M). FDBC leads profitability with a 29.4% profit margin vs 26.1%. FDBC trades at a lower P/E of 10.0x. MFG earns a higher WallStSmart Score of 74/100 (B).

FDBC

Buy

64

out of 100

Grade: C+

Growth: 8.7Profit: 7.5Value: 8.3Quality: 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

FDBCUndervalued (+78.0%)

Margin of Safety

+78.0%

Fair Value

$211.07

Current Price

$43.55

$167.52 discount

UndervaluedFair: $211.07Overvalued
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

FDBC6 strengths · Avg: 9.2/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
38.4%10/10

Strong operational efficiency at 38.4%

Profit MarginProfitability
29.4%9/10

Keeps 29 of every $100 in revenue as profit

Revenue GrowthGrowth
18.5%8/10

18.5% revenue growth

EPS GrowthGrowth
47.7%8/10

Earnings expanding 47.7% 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

FDBC1 concerns · Avg: 3.0/10
Market CapQuality
$259.41M3/10

Smaller company, higher risk/reward

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : FDBC

The strongest argument for FDBC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.4% and operating margin at 38.4%. Revenue growth of 18.5% 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 : FDBC

The primary concerns for FDBC are Market Cap.

Bear Case : MFG

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

Key Dynamics to Monitor

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

FDBC carries more volatility with a beta of 0.96 — expect wider price swings.

FDBC is growing revenue faster at 18.5% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 64/100), backed by strong 26.1% margins. FDBC offers better value entry with a 78.0% margin of safety. Both earn "Strong 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.

Fidelity D&D Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Fidelity D & D Bancorp, Inc. is the banking holding company for The Fidelity Deposit and Discount Bank, providing a variety of banking, trust and financial services to individuals, small businesses and corporate clients. The company is headquartered in Dunmore, Pennsylvania.

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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