WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 48128% more annual revenue ($4.74T vs $9.83B). MFG leads profitability with a 29.1% profit margin vs 25.3%. MFG appears more attractively valued with a PEG of 1.40. MFG earns a higher WallStSmart Score of 84/100 (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

84

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 6.3Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HBAN6 strengths · Avg: 9.2/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.8%10/10

Strong operational efficiency at 39.8%

Revenue GrowthGrowth
32.4%10/10

Revenue surging 32.4% year-over-year

Profit MarginProfitability
25.3%9/10

Keeps 25 of every $100 in revenue as profit

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.00B8/10

Generating 1.0B in free cash flow

MFG6 strengths · Avg: 9.0/10
Operating MarginProfitability
46.7%10/10

Strong operational efficiency at 46.7%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Market CapQuality
$116.98B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

HBAN4 concerns · Avg: 2.8/10
PEG RatioValuation
1.884/10

Expensive relative to growth rate

Return on EquityProfitability
7.7%3/10

ROE of 7.7% — below average capital efficiency

EPS GrowthGrowth
-19.5%2/10

Earnings declined 19.5%

Altman Z-ScoreHealth
-0.432/10

Distress zone — elevated risk

MFG2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.911/10

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 25.3% and operating margin at 39.8%. Revenue growth of 32.4% demonstrates continued momentum.

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 : HBAN

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

Bear Case : MFG

The primary concerns for MFG are Altman Z-Score, Debt/Equity. Debt-to-equity of 5.91 is elevated, increasing financial risk.

Key Dynamics to Monitor

HBAN carries more volatility with a beta of 0.97 — 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 (84/100 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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