Financial Institutions Inc (FISI)vsMizuho Financial Group Inc. (MFG)
FISI
Financial Institutions Inc
$40.92
-0.41%
FINANCIAL SERVICES · Cap: $789.04M
MFG
Mizuho Financial Group Inc.
$11.45
+3.53%
FINANCIAL SERVICES · Cap: $136.43B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 1946763% more annual revenue ($4.74T vs $243.46M). FISI leads profitability with a 33.9% profit margin vs 29.1%. FISI appears more attractively valued with a PEG of 1.41. MFG earns a higher WallStSmart Score of 82/100 (A-).
FISI
Strong Buy74
out of 100
Grade: B
MFG
Exceptional Buy82
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.6%
Earnings expanding 22.4% YoY
Strong operational efficiency at 46.7%
Revenue surging 35.0% year-over-year
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FISI
The strongest argument for FISI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.9% and operating margin at 43.6%. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bull Case : MFG
The strongest argument for MFG centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 29.1% and operating margin at 46.7%. Revenue growth of 35.0% demonstrates continued momentum.
Bear Case : FISI
The primary concerns for FISI 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 5.91 is elevated, increasing financial risk.
Key Dynamics to Monitor
FISI profiles as a mature stock while MFG is a growth play — different risk/reward profiles.
FISI carries more volatility with a beta of 0.64 — expect wider price swings.
MFG is growing revenue faster at 35.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (82/100 vs 74/100), backed by strong 29.1% margins and 35.0% revenue growth. Both earn "Exceptional 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.
Financial Institutions Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Financial Institutions, Inc. is a holding company of the Five Star Bank that provides banking and financial services to individuals, municipalities and businesses. The company is headquartered in Warsaw, New York.
Visit Website →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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?