Mizuho Financial Group Inc. (MFG)vsOP Bancorp (OPBK)
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
OPBK
OP Bancorp
$13.29
+0.61%
FINANCIAL SERVICES · Cap: $192.39M
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 4410251% more annual revenue ($4.02T vs $91.10M). OPBK leads profitability with a 28.1% profit margin vs 26.1%. OPBK trades at a lower P/E of 7.5x. MFG earns a higher WallStSmart Score of 74/100 (B).
MFG
Strong Buy74
out of 100
Grade: B
OPBK
Strong Buy71
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
+82.6%
Fair Value
$80.50
Current Price
$13.29
$67.21 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 44.5%
Keeps 28 of every $100 in revenue as profit
Revenue surging 20.3% year-over-year
Earnings expanding 42.7% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
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 : OPBK
The strongest argument for OPBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 44.5%. Revenue growth of 20.3% demonstrates continued momentum.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Bear Case : OPBK
The primary concerns for OPBK are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
MFG profiles as a mature stock while OPBK is a growth play — different risk/reward profiles.
OPBK carries more volatility with a beta of 0.62 — expect wider price swings.
OPBK is growing revenue faster at 20.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 71/100), backed by strong 26.1% margins. OPBK offers better value entry with a 82.6% 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.
OP Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OP Bancorp is Open Bank's banking holding company offering banking products and services in California. The company is headquartered in Los Angeles, California.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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