Mizuho Financial Group Inc. (MFG)vsOld Second Bancorp Inc (OSBC)
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
OSBC
Old Second Bancorp Inc
$19.61
-0.66%
FINANCIAL SERVICES · Cap: $1.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 1290383% more annual revenue ($4.02T vs $311.34M). MFG leads profitability with a 26.1% profit margin vs 25.8%. MFG appears more attractively valued with a PEG of 0.86. OSBC earns a higher WallStSmart Score of 78/100 (B+).
MFG
Strong Buy74
out of 100
Grade: B
OSBC
Strong Buy78
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
+73.1%
Fair Value
$75.82
Current Price
$19.61
$56.21 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
Reasonable price relative to book value
Strong operational efficiency at 44.8%
Revenue surging 32.3% year-over-year
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 29.9% YoY
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Smaller company, higher risk/reward
Weak financial health signals
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 : OSBC
The strongest argument for OSBC centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.8% and operating margin at 44.8%. Revenue growth of 32.3% demonstrates continued momentum.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Bear Case : OSBC
The primary concerns for OSBC are PEG Ratio, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
MFG profiles as a mature stock while OSBC is a growth play — different risk/reward profiles.
OSBC carries more volatility with a beta of 0.77 — expect wider price swings.
OSBC is growing revenue faster at 32.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
OSBC scores higher overall (78/100 vs 74/100), backed by strong 25.8% margins and 32.3% revenue growth. MFG offers better value entry with a 42.4% 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.
Old Second Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old Second Bancorp, Inc. is the banking holding company for Old Second National Bank providing a range of banking services. The company is headquartered in Aurora, Illinois.
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