Financial Institutions Inc (FISI)vsMizuho Financial Group Inc. (MFG)
FISI
Financial Institutions Inc
$36.46
+2.04%
FINANCIAL SERVICES · Cap: $730.56M
MFG
Mizuho Financial Group Inc.
$9.52
-0.10%
FINANCIAL SERVICES · Cap: $115.97B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 1838337% more annual revenue ($4.40T vs $239.43M). FISI leads profitability with a 33.0% profit margin vs 28.4%. FISI appears more attractively valued with a PEG of 1.41. MFG earns a higher WallStSmart Score of 78/100 (B+).
FISI
Strong Buy76
out of 100
Grade: B+
MFG
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 42.9%
Earnings expanding 28.4% YoY
Strong operational efficiency at 32.5%
Earnings expanding 680.0% YoY
Generating 487.7B in free cash flow
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Smaller company, higher risk/reward
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 33.0% and operating margin at 42.9%. Revenue growth of 11.3% demonstrates continued momentum.
Bull Case : MFG
The strongest argument for MFG centers on Operating Margin, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 32.5%. Revenue growth of 16.7% demonstrates continued momentum.
Bear Case : FISI
The primary concerns for FISI are Market Cap.
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
FISI profiles as a mature stock while MFG is a growth play — different risk/reward profiles.
FISI carries more volatility with a beta of 0.67 — expect wider price swings.
MFG is growing revenue faster at 16.7% — sustainability is the question.
MFG generates stronger free cash flow (487.7B), providing more financial flexibility.
Bottom Line
MFG scores higher overall (78/100 vs 76/100), backed by strong 28.4% margins and 16.7% revenue growth. 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.
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.
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