WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 3470303% more annual revenue ($4.40T vs $126.84M). RBB leads profitability with a 32.3% profit margin vs 28.4%. RBB trades at a lower P/E of 10.5x. MFG earns a higher WallStSmart Score of 78/100 (B+).

MFG

Strong Buy

78

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

RBB

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.0Value: 6.7Quality: 4.5
Piotroski: 6/9Altman Z: -0.56

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
32.5%10/10

Strong operational efficiency at 32.5%

EPS GrowthGrowth
680.0%10/10

Earnings expanding 680.0% YoY

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$115.97B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

RBB6 strengths · Avg: 10.0/10
P/E RatioValuation
10.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.3%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
47.0%10/10

Strong operational efficiency at 47.0%

Revenue GrowthGrowth
61.0%10/10

Revenue surging 61.0% year-over-year

EPS GrowthGrowth
410.9%10/10

Earnings expanding 410.9% YoY

Areas to Watch

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.881/10

Elevated debt levels

RBB3 concerns · Avg: 2.7/10
Market CapQuality
$420.18M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.7%3/10

ROE of 7.7% — below average capital efficiency

Altman Z-ScoreHealth
-0.562/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 32.5%. Revenue growth of 16.7% demonstrates continued momentum.

Bull Case : RBB

The strongest argument for RBB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 47.0%. Revenue growth of 61.0% 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 : RBB

The primary concerns for RBB are Market Cap, Return on Equity, Altman Z-Score.

Key Dynamics to Monitor

RBB carries more volatility with a beta of 1.05 — expect wider price swings.

RBB is growing revenue faster at 61.0% — 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 (78/100 vs 73/100), backed by strong 28.4% margins and 16.7% revenue growth. 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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