WallStSmart

Mizuho Financial Group Inc. (MFG)vsSR Bancorp, Inc. Common stock (SRBK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 13674408% more annual revenue ($4.40T vs $32.19M). MFG leads profitability with a 28.4% profit margin vs 14.4%. MFG trades at a lower P/E of 15.1x. 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

SRBK

Buy

51

out of 100

Grade: C-

Growth: 8.7Profit: 5.5Value: 4.7Quality: 7.0
Piotroski: 5/9Altman Z: -0.52

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

SRBK3 strengths · Avg: 9.7/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

Debt/EquityHealth
0.299/10

Conservative balance sheet, low leverage

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

SRBK4 concerns · Avg: 3.0/10
P/E RatioValuation
32.5x4/10

Premium valuation, high expectations priced in

Market CapQuality
$139.92M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
2.5%3/10

ROE of 2.5% — below average capital efficiency

Altman Z-ScoreHealth
-0.522/10

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 : SRBK

The strongest argument for SRBK centers on Price/Book, EPS Growth, Debt/Equity.

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 : SRBK

The primary concerns for SRBK are P/E Ratio, Market Cap, Return on Equity.

Key Dynamics to Monitor

MFG profiles as a growth stock while SRBK is a value play — different risk/reward profiles.

SRBK carries more volatility with a beta of 0.65 — expect wider price swings.

MFG is growing revenue faster at 16.7% — sustainability is the question.

MFG generates stronger free cash flow (487.7B), providing more financial flexibility.

Bottom Line

MFG scores higher overall (78/100 vs 51/100), backed by strong 28.4% margins and 16.7% revenue growth. Both earn "Strong Buy" and "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.

SR Bancorp, Inc. Common stock

FINANCIAL SERVICES · BANKS - REGIONAL · USA

SR Bancorp, Inc., through its subsidiary, Somerset Savings Bank, SLA, provides commercial banking services. The company is headquartered in Bound Brook, New Jersey.

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