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 671367% more annual revenue ($4.02T vs $598.37M). MFG leads profitability with a 26.1% profit margin vs 24.2%. MFG appears more attractively valued with a PEG of 0.86. 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

SBCF

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 6.5Value: 7.3Quality: 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
SBCFSignificantly Overvalued (-217.8%)

Margin of Safety

-217.8%

Fair Value

$10.68

Current Price

$30.14

$19.46 premium

UndervaluedFair: $10.68Overvalued

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

SBCF4 strengths · Avg: 9.8/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.8%10/10

Strong operational efficiency at 43.8%

Revenue GrowthGrowth
32.4%10/10

Revenue surging 32.4% year-over-year

Profit MarginProfitability
24.2%9/10

Keeps 24 of every $100 in revenue as profit

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

SBCF3 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

EPS GrowthGrowth
-23.4%2/10

Earnings declined 23.4%

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 : SBCF

The strongest argument for SBCF centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.2% and operating margin at 43.8%. Revenue growth of 32.4% demonstrates continued momentum.

Bear Case : MFG

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

Bear Case : SBCF

The primary concerns for SBCF are PEG Ratio, Return on Equity, EPS Growth.

Key Dynamics to Monitor

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

SBCF carries more volatility with a beta of 0.93 — expect wider price swings.

SBCF is growing revenue faster at 32.4% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 67/100), backed by strong 26.1% margins. 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.

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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