WallStSmart

Mizuho Financial Group Inc. (MFG)vsSeacoast Banking Corporation of Florida (SBCF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 694711% more annual revenue ($4.74T vs $682.18M). MFG leads profitability with a 29.1% profit margin vs 23.8%. SBCF appears more attractively valued with a PEG of 1.58. 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

SBCF

Strong Buy

71

out of 100

Grade: B

Growth: 8.7Profit: 6.5Value: 5.0Quality: 4.0
Piotroski: 2/9Altman Z: -0.25

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFG6 strengths · Avg: 9.0/10
Operating MarginProfitability
46.7%10/10

Strong operational efficiency at 46.7%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Market CapQuality
$136.43B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

SBCF4 strengths · Avg: 9.8/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
48.8%10/10

Strong operational efficiency at 48.8%

Revenue GrowthGrowth
38.3%10/10

Revenue surging 38.3% year-over-year

Profit MarginProfitability
23.8%9/10

Keeps 24 of every $100 in revenue as profit

Areas to Watch

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.704/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.911/10

Elevated debt levels

SBCF4 concerns · Avg: 3.0/10
PEG RatioValuation
1.584/10

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
-0.252/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 29.1% and operating margin at 46.7%. Revenue growth of 35.0% demonstrates continued momentum.

Bull Case : SBCF

The strongest argument for SBCF centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 23.8% and operating margin at 48.8%. Revenue growth of 38.3% demonstrates continued momentum.

Bear Case : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.91 is elevated, increasing financial risk.

Bear Case : SBCF

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

Key Dynamics to Monitor

SBCF carries more volatility with a beta of 0.86 — expect wider price swings.

SBCF is growing revenue faster at 38.3% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (82/100 vs 71/100), 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.

Seacoast Banking Corporation of Florida

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Seacoast Banking Corporation of Florida is the banking holding company of Seacoast National Bank providing financial services to retail and business clients in Florida. The company is headquartered in Stuart, Florida.

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