WallStSmart

Mizuho Financial Group Inc. (MFG)vsRBB Bancorp (RBB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 3536816% more annual revenue ($4.02T vs $113.60M). RBB leads profitability with a 28.1% profit margin vs 26.1%. RBB trades at a lower P/E of 11.6x. MFG earns a higher WallStSmart Score of 74/100 (B).

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0

RBB

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.0Value: 8.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued
RBBUndervalued (+74.0%)

Margin of Safety

+74.0%

Fair Value

$85.64

Current Price

$21.15

$64.49 discount

UndervaluedFair: $85.64Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

RBB6 strengths · Avg: 9.8/10
P/E RatioValuation
11.6x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Operating MarginProfitability
42.6%10/10

Strong operational efficiency at 42.6%

Revenue GrowthGrowth
39.7%10/10

Revenue surging 39.7% year-over-year

EPS GrowthGrowth
140.8%10/10

Earnings expanding 140.8% YoY

Profit MarginProfitability
28.1%9/10

Keeps 28 of every $100 in revenue as profit

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

RBB2 concerns · Avg: 3.0/10
Market CapQuality
$361.96M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull 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 : RBB

The strongest argument for RBB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 42.6%. Revenue growth of 39.7% demonstrates continued momentum.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Bear Case : RBB

The primary concerns for RBB are Market Cap, Return on Equity.

Key Dynamics to Monitor

MFG profiles as a mature stock while RBB is a growth play — different risk/reward profiles.

RBB carries more volatility with a beta of 1.07 — expect wider price swings.

RBB is growing revenue faster at 39.7% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (74/100 vs 73/100), backed by strong 26.1% margins. RBB offers better value entry with a 74.0% 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.

RBB Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

RBB Bancorp is the banking holding company of Royal Business Bank offering various banking products and services to the Sino-American, Korean-American and other Asian-American communities. The company is headquartered in Los Angeles, California.

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