WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 51527% more annual revenue ($4.74T vs $9.18B). MFG leads profitability with a 29.1% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 1.83. MFG earns a higher WallStSmart Score of 82/100 (A-).

HBAN

Strong Buy

71

out of 100

Grade: B

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

MFG

Exceptional Buy

82

out of 100

Grade: A-

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

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

Reasonable price relative to book value

Operating MarginProfitability
41.9%10/10

Strong operational efficiency at 41.9%

Revenue GrowthGrowth
47.6%10/10

Revenue surging 47.6% year-over-year

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
46.0%10/10

Strong operational efficiency at 46.0%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$127.18B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

Areas to Watch

HBAN4 concerns · Avg: 2.8/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

Return on EquityProfitability
7.3%3/10

ROE of 7.3% — below average capital efficiency

EPS GrowthGrowth
-2.9%2/10

Earnings declined 2.9%

Altman Z-ScoreHealth
-0.432/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.834/10

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 26.1% and operating margin at 41.9%. Revenue growth of 47.6% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Revenue Growth, Free Cash Flow. Profitability is solid with margins at 29.1% and operating margin at 46.0%. Revenue growth of 35.0% 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 0.95 — expect wider price swings.

HBAN is growing revenue faster at 47.6% — 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 (82/100 vs 71/100), 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.

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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