WallStSmart

Mizuho Financial Group Inc. (MFG)vsServisFirst Bancshares Inc (SFBS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 764095% more annual revenue ($4.02T vs $525.76M). SFBS leads profitability with a 52.6% profit margin vs 26.1%. MFG trades at a lower P/E of 14.3x. 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

SFBS

Strong Buy

70

out of 100

Grade: B

Growth: 9.3Profit: 8.0Value: 8.3Quality: 4.5
Piotroski: 5/9
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
SFBSUndervalued (+63.7%)

Margin of Safety

+63.7%

Fair Value

$236.81

Current Price

$73.86

$162.95 discount

UndervaluedFair: $236.81Overvalued

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

SFBS6 strengths · Avg: 8.7/10
Profit MarginProfitability
52.6%10/10

Keeps 53 of every $100 in revenue as profit

Operating MarginProfitability
72.4%10/10

Strong operational efficiency at 72.4%

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
22.5%8/10

Revenue surging 22.5% year-over-year

EPS GrowthGrowth
33.0%8/10

Earnings expanding 33.0% YoY

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

SFBS0 concerns · Avg: 0/10

No major concerns identified

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 : SFBS

The strongest argument for SFBS centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 52.6% and operating margin at 72.4%. Revenue growth of 22.5% demonstrates continued momentum.

Bear Case : MFG

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

Bear Case : SFBS

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

Key Dynamics to Monitor

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

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

SFBS is growing revenue faster at 22.5% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 70/100), backed by strong 26.1% margins. SFBS offers better value entry with a 63.7% 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.

ServisFirst Bancshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ServisFirst Bancshares, Inc. is the banking holding company for ServisFirst Bank providing various banking services to individual and corporate clients. The company is headquartered in Birmingham, Alabama.

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