Mizuho Financial Group Inc. (MFG)vsProvident Financial Holdings Inc (PROV)
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
PROV
Provident Financial Holdings Inc
$16.15
+0.28%
FINANCIAL SERVICES · Cap: $102.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 9846557% more annual revenue ($4.02T vs $40.80M). MFG leads profitability with a 26.1% profit margin vs 16.2%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).
MFG
Strong Buy74
out of 100
Grade: B
PROV
Strong Buy65
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
+64.8%
Fair Value
$46.33
Current Price
$16.14
$30.18 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
Earnings expanding 70.2% YoY
Attractively priced relative to earnings
Strong operational efficiency at 24.4%
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of 5.1% — below average capital efficiency
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 : PROV
The strongest argument for PROV centers on Price/Book, EPS Growth, P/E Ratio. Profitability is solid with margins at 16.2% and operating margin at 24.4%. Revenue growth of 10.9% demonstrates continued momentum.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Bear Case : PROV
The primary concerns for PROV are Market Cap, Return on Equity, PEG Ratio.
Key Dynamics to Monitor
PROV carries more volatility with a beta of 0.30 — expect wider price swings.
PROV is growing revenue faster at 10.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 65/100), backed by strong 26.1% margins. PROV offers better value entry with a 64.8% 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.
Provident Financial Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Holdings, Inc. is the parent company of Provident Savings Bank, FSB providing community banking services to consumers and small and medium-sized businesses in the Inland Empire region of Southern California. The company is headquartered in Riverside, California.
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