WallStSmart

Mizuho Financial Group Inc. (MFG)vsQCR Holdings Inc (QCRH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1249202% more annual revenue ($4.74T vs $379.24M). QCRH leads profitability with a 37.4% profit margin vs 29.1%. QCRH appears more attractively valued with a PEG of 1.02. MFG earns a higher WallStSmart Score of 82/100 (A-).

MFG

Exceptional Buy

82

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

QCRH

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 6.3Quality: 7.0
Piotroski: 5/9Altman Z: 0.31

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
46.0%10/10

Strong operational efficiency at 46.0%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$127.18B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

QCRH6 strengths · Avg: 9.3/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
37.4%10/10

Keeps 37 of every $100 in revenue as profit

Operating MarginProfitability
45.3%10/10

Strong operational efficiency at 45.3%

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
15.6%8/10

15.6% revenue growth

Areas to Watch

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.881/10

Elevated debt levels

QCRH3 concerns · Avg: 2.3/10
Market CapQuality
$1.71B3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-7.88M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.312/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : QCRH

The strongest argument for QCRH centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 37.4% and operating margin at 45.3%. Revenue growth of 15.6% 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 : QCRH

The primary concerns for QCRH are Market Cap, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

QCRH carries more volatility with a beta of 0.74 — 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 73/100), 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.

QCR Holdings Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.

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