Mizuho Financial Group Inc. (MFG)vsNicolet Bankshares Inc. (NIC)
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
NIC
Nicolet Bankshares Inc.
$148.87
+1.66%
FINANCIAL SERVICES · Cap: $2.98B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 1035984% more annual revenue ($4.02T vs $387.79M). NIC leads profitability with a 38.9% profit margin vs 26.1%. NIC trades at a lower P/E of 14.3x. MFG earns a higher WallStSmart Score of 74/100 (B).
MFG
Strong Buy74
out of 100
Grade: B
NIC
Buy61
out of 100
Grade: C+
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
+60.2%
Fair Value
$381.03
Current Price
$148.87
$232.16 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
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 52.8%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 20.1% YoY
Areas to Watch
No major concerns identified
No major concerns identified
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 : NIC
The strongest argument for NIC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 38.9% and operating margin at 52.8%. Revenue growth of 12.9% demonstrates continued momentum.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Bear Case : NIC
No major red flags identified for NIC, but monitor valuation.
Key Dynamics to Monitor
NIC carries more volatility with a beta of 0.74 — expect wider price swings.
NIC is growing revenue faster at 12.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 61/100), backed by strong 26.1% margins. NIC offers better value entry with a 60.2% margin of safety. Both earn "Strong 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.
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.
Nicolet Bankshares Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nicolet Bankshares, Inc. is the bank holding company of Nicolet National Bank that offers banking products and services for businesses and individuals. The company is headquartered in Green Bay, Wisconsin.
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