WallStSmart

Huntington Bancshares Incorporated (HBAN)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 52947% more annual revenue ($4.40T vs $8.30B). MFG leads profitability with a 28.4% profit margin vs 26.6%. MFG appears more attractively valued with a PEG of 1.69. MFG earns a higher WallStSmart Score of 78/100 (B+).

HBAN

Strong Buy

68

out of 100

Grade: B-

Growth: 6.7Profit: 7.0Value: 5.7Quality: 6.0
Piotroski: 4/9Altman Z: -0.43

MFG

Strong Buy

78

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HBAN5 strengths · Avg: 9.4/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
40.7%10/10

Strong operational efficiency at 40.7%

Revenue GrowthGrowth
33.6%10/10

Revenue surging 33.6% year-over-year

Profit MarginProfitability
26.6%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
13.5x8/10

Attractively priced relative to earnings

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
32.5%10/10

Strong operational efficiency at 32.5%

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
$116.83B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.5x8/10

Attractively priced relative to earnings

Areas to Watch

HBAN4 concerns · Avg: 2.8/10
PEG RatioValuation
1.904/10

Expensive relative to growth rate

Return on EquityProfitability
6.8%3/10

ROE of 6.8% — below average capital efficiency

EPS GrowthGrowth
-26.5%2/10

Earnings declined 26.5%

Altman Z-ScoreHealth
-0.432/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.694/10

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 : HBAN

The strongest argument for HBAN centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 26.6% and operating margin at 40.7%. Revenue growth of 33.6% 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 : HBAN

The primary concerns for HBAN are PEG Ratio, Return on Equity, EPS Growth.

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

HBAN carries more volatility with a beta of 0.97 — expect wider price swings.

HBAN is growing revenue faster at 33.6% — sustainability is the question.

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

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

Bottom Line

MFG scores higher overall (78/100 vs 68/100), 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.

Huntington Bancshares Incorporated

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Huntington Bancshares Incorporated is a bank holding company headquartered in Columbus, Ohio.

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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