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 4573904% more annual revenue ($4.40T vs $96.19M). FDBC leads profitability with a 31.8% profit margin vs 28.4%. FDBC trades at a lower P/E of 9.3x. MFG earns a higher WallStSmart Score of 80/100 (B+).

FDBC

Buy

60

out of 100

Grade: C

Growth: 6.7Profit: 7.5Value: 6.7Quality: 4.5
Piotroski: 5/9Altman Z: -0.70

MFG

Strong Buy

80

out of 100

Grade: B+

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

FDBC4 strengths · Avg: 10.0/10
P/E RatioValuation
9.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.8%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

MFG6 strengths · Avg: 9.3/10
Revenue GrowthGrowth
44.9%10/10

Revenue surging 44.9% year-over-year

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
$120.24B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

Areas to Watch

FDBC2 concerns · Avg: 2.5/10
Market CapQuality
$299.26M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.702/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.734/10

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 : FDBC

The strongest argument for FDBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.8% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Revenue Growth, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 25.9%. Revenue growth of 44.9% demonstrates continued momentum.

Bear Case : FDBC

The primary concerns for FDBC 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

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

FDBC carries more volatility with a beta of 0.82 — expect wider price swings.

MFG is growing revenue faster at 44.9% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (80/100 vs 60/100), backed by strong 28.4% margins and 44.9% revenue growth. 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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