WallStSmart

Mizuho Financial Group Inc. (MFG)vsFirst Financial Corporation Indiana (THFF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1766833% more annual revenue ($4.74T vs $268.14M). THFF leads profitability with a 31.6% profit margin vs 29.1%. MFG appears more attractively valued with a PEG of 1.83. MFG earns a higher WallStSmart Score of 82/100 (A-).

MFG

Exceptional Buy

82

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

THFF

Strong Buy

70

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 5.7Quality: 6.5
Piotroski: 5/9Altman Z: -0.46

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
46.0%10/10

Strong operational efficiency at 46.0%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$127.18B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

THFF6 strengths · Avg: 9.0/10
P/E RatioValuation
11.1x10/10

Attractively priced relative to earnings

Profit MarginProfitability
31.6%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
41.3%10/10

Strong operational efficiency at 41.3%

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.6%8/10

16.6% revenue growth

EPS GrowthGrowth
21.8%8/10

Earnings expanding 21.8% YoY

Areas to Watch

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.881/10

Elevated debt levels

THFF3 concerns · Avg: 2.3/10
Market CapQuality
$961.34M3/10

Smaller company, higher risk/reward

PEG RatioValuation
9.512/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.462/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Revenue Growth, Free Cash Flow. Profitability is solid with margins at 29.1% and operating margin at 46.0%. Revenue growth of 35.0% demonstrates continued momentum.

Bull Case : THFF

The strongest argument for THFF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 31.6% and operating margin at 41.3%. Revenue growth of 16.6% demonstrates continued momentum.

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 : THFF

The primary concerns for THFF are Market Cap, PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

THFF carries more volatility with a beta of 0.41 — expect wider price swings.

MFG is growing revenue faster at 35.0% — sustainability is the question.

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

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

Bottom Line

MFG scores higher overall (82/100 vs 70/100), backed by strong 29.1% margins and 35.0% revenue growth. 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.

First Financial Corporation Indiana

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Financial Corporation, provides various financial services. The company is headquartered in Terre Haute, Indiana.

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