WallStSmart

Mizuho Financial Group Inc. (MFG)vsS&T Bancorp Inc (STBA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1007744% more annual revenue ($4.02T vs $398.66M). STBA leads profitability with a 34.1% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.93. MFG earns a higher WallStSmart Score of 74/100 (B).

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 7.0Quality: 5.0

STBA

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 7.5Value: 6.3Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFG6 strengths · Avg: 8.7/10
Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$107.90B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.938/10

Growing faster than its price suggests

P/E RatioValuation
16.4x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

STBA4 strengths · Avg: 9.5/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
34.1%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
44.8%10/10

Strong operational efficiency at 44.8%

P/E RatioValuation
12.5x8/10

Attractively priced relative to earnings

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

STBA2 concerns · Avg: 3.5/10
Revenue GrowthGrowth
4.1%4/10

4.1% revenue growth

Market CapQuality
$1.61B3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.93 suggests the stock is reasonably priced for its growth.

Bull Case : STBA

The strongest argument for STBA centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 44.8%. PEG of 1.23 suggests the stock is reasonably priced for its growth.

Bear Case : MFG

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

Bear Case : STBA

The primary concerns for STBA are Revenue Growth, Market Cap.

Key Dynamics to Monitor

MFG profiles as a mature stock while STBA is a value play — different risk/reward profiles.

STBA carries more volatility with a beta of 0.85 — expect wider price swings.

MFG is growing revenue faster at 5.5% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 63/100), backed by strong 26.1% margins. 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.

S&T Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.

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