Mizuho Financial Group Inc. (MFG)vsNBT Bancorp Inc (NBTB)
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
NBTB
NBT Bancorp Inc
$42.47
+1.22%
FINANCIAL SERVICES · Cap: $2.22B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 604280% more annual revenue ($4.02T vs $664.78M). MFG leads profitability with a 26.1% profit margin vs 25.5%. MFG appears more attractively valued with a PEG of 0.86. NBTB earns a higher WallStSmart Score of 74/100 (B).
MFG
Strong Buy74
out of 100
Grade: B
NBTB
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+42.4%
Fair Value
$17.51
Current Price
$7.81
$9.70 discount
Margin of Safety
+71.3%
Fair Value
$157.72
Current Price
$42.47
$115.25 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 36.3%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 41.9%
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 24.0% year-over-year
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : MFG
The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bull Case : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 25.5% and operating margin at 41.9%. Revenue growth of 24.0% demonstrates continued momentum.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Bear Case : NBTB
The primary concerns for NBTB are PEG Ratio.
Key Dynamics to Monitor
MFG profiles as a mature stock while NBTB is a growth play — different risk/reward profiles.
NBTB carries more volatility with a beta of 0.48 — expect wider price swings.
NBTB is growing revenue faster at 24.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 74/100), backed by strong 26.1% margins. NBTB offers better value entry with a 71.3% margin of safety. 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.
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.
NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
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