WallStSmart

Mizuho Financial Group Inc. (MFG)vsSouthState Corporation (SSB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 157111% more annual revenue ($4.02T vs $2.56B). SSB leads profitability with a 31.2% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. SSB earns a higher WallStSmart Score of 86/100 (A).

MFG

Strong Buy

74

out of 100

Grade: B

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

SSB

Exceptional Buy

86

out of 100

Grade: A

Growth: 10.0Profit: 7.5Value: 10.0Quality: 3.8
Piotroski: 4/9Altman Z: -0.19
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
SSBUndervalued (+71.8%)

Margin of Safety

+71.8%

Fair Value

$368.32

Current Price

$91.71

$276.61 discount

UndervaluedFair: $368.32Overvalued

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

SSB6 strengths · Avg: 9.7/10
P/E RatioValuation
11.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.2%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
51.1%10/10

Strong operational efficiency at 51.1%

Revenue GrowthGrowth
52.0%10/10

Revenue surging 52.0% year-over-year

EPS GrowthGrowth
31.1%8/10

Earnings expanding 31.1% YoY

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

SSB1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.192/10

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 : SSB

The strongest argument for SSB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 51.1%. Revenue growth of 52.0% demonstrates continued momentum.

Bear Case : MFG

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

Bear Case : SSB

The primary concerns for SSB are Altman Z-Score.

Key Dynamics to Monitor

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

SSB carries more volatility with a beta of 0.73 — expect wider price swings.

SSB is growing revenue faster at 52.0% — sustainability is the question.

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

Bottom Line

SSB scores higher overall (86/100 vs 74/100), backed by strong 31.2% margins and 52.0% revenue growth. MFG offers better value entry with a 42.4% margin of safety. 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.

SouthState Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

South State Corporation is the banking holding company for South State Bank offering a range of banking products and services. The company is headquartered in Winter Haven, Florida.

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