WallStSmart

Mizuho Financial Group Inc. (MFG)vsRenasant Corporation (RNST)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 457307% more annual revenue ($4.02T vs $878.39M). MFG leads profitability with a 26.1% profit margin vs 20.6%. MFG appears more attractively valued with a PEG of 0.86. RNST earns a higher WallStSmart Score of 80/100 (B+).

MFG

Strong Buy

74

out of 100

Grade: B

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

RNST

Strong Buy

80

out of 100

Grade: B+

Growth: 9.3Profit: 6.5Value: 10.0Quality: 6.5
Piotroski: 2/9Altman Z: 0.16
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
RNSTUndervalued (+49.4%)

Margin of Safety

+49.4%

Fair Value

$80.65

Current Price

$36.02

$44.63 discount

UndervaluedFair: $80.65Overvalued

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

RNST6 strengths · Avg: 9.3/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.5%10/10

Strong operational efficiency at 43.5%

Revenue GrowthGrowth
62.7%10/10

Revenue surging 62.7% year-over-year

Profit MarginProfitability
20.6%9/10

Keeps 21 of every $100 in revenue as profit

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

P/E RatioValuation
17.3x8/10

Attractively priced relative to earnings

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

RNST4 concerns · Avg: 3.0/10
PEG RatioValuation
1.794/10

Expensive relative to growth rate

Return on EquityProfitability
5.5%3/10

ROE of 5.5% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.162/10

Distress zone — elevated risk

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 : RNST

The strongest argument for RNST centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 20.6% and operating margin at 43.5%. Revenue growth of 62.7% demonstrates continued momentum.

Bear Case : MFG

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

Bear Case : RNST

The primary concerns for RNST are PEG Ratio, Return on Equity, Piotroski F-Score.

Key Dynamics to Monitor

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

RNST carries more volatility with a beta of 0.98 — expect wider price swings.

RNST is growing revenue faster at 62.7% — sustainability is the question.

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

Bottom Line

RNST scores higher overall (80/100 vs 74/100), backed by strong 20.6% margins and 62.7% 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.

Renasant Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Renasant Corporation is a bank holding company for Renasant Bank, providing a variety of financial, wealth management, trust and insurance services to retail and commercial clients. The company is headquartered in Tupelo, Mississippi.

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