Mizuho Financial Group Inc. (MFG)vsNBT Bancorp Inc (NBTB)
MFG
Mizuho Financial Group Inc.
$10.71
+0.19%
FINANCIAL SERVICES · Cap: $127.18B
NBTB
NBT Bancorp Inc
$52.66
-0.47%
FINANCIAL SERVICES · Cap: $2.72B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 680061% more annual revenue ($4.74T vs $696.57M). MFG leads profitability with a 29.1% profit margin vs 26.4%. MFG appears more attractively valued with a PEG of 1.83. MFG earns a higher WallStSmart Score of 82/100 (A-).
MFG
Exceptional Buy82
out of 100
Grade: A-
NBTB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 46.0%
Revenue surging 35.0% year-over-year
Generating 487.7B in free cash flow
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 40.6%
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 21.6% year-over-year
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 40.6%. Revenue growth of 21.6% demonstrates continued momentum.
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.
Bear Case : NBTB
The primary concerns for NBTB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NBTB carries more volatility with a beta of 0.49 — expect wider price swings.
MFG is growing revenue faster at 35.0% — 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 74/100), 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.
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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