WallStSmart

Home BancShares Inc (HOMB)vsMizuho Financial Group Inc. (MFG)

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Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 431044% more annual revenue ($4.74T vs $1.10B). HOMB leads profitability with a 43.6% profit margin vs 29.1%. MFG appears more attractively valued with a PEG of 1.61. MFG earns a higher WallStSmart Score of 82/100 (A-).

HOMB

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 7.5Value: 5.0Quality: 6.5
Piotroski: 5/9Altman Z: -0.38

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

HOMB5 strengths · Avg: 9.4/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
43.6%10/10

Keeps 44 of every $100 in revenue as profit

Operating MarginProfitability
57.6%10/10

Strong operational efficiency at 57.6%

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

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
$132.41B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

HOMB3 concerns · Avg: 2.0/10
PEG RatioValuation
3.012/10

Expensive relative to growth rate

EPS GrowthGrowth
-1.6%2/10

Earnings declined 1.6%

Altman Z-ScoreHealth
-0.382/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

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 : HOMB

The strongest argument for HOMB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 43.6% and operating margin at 57.6%.

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 : HOMB

The primary concerns for HOMB are PEG Ratio, EPS Growth, 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

HOMB profiles as a mature stock while MFG is a growth play — different risk/reward profiles.

HOMB carries more volatility with a beta of 0.67 — 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 59/100), backed by strong 29.1% margins and 35.0% revenue growth. Both earn "Exceptional Buy" and "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.

Home BancShares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Home Bancshares, Inc. (Conway, AR) is the banking holding company of Centennial Bank offering commercial and retail banking and related financial services to real estate companies, developers and investors, individuals and municipalities. The company is headquartered in Conway, Arkansas.

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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