Mizuho Financial Group Inc. (MFG)vsUnited Bankshares Inc (UBSI)
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
UBSI
United Bankshares Inc
$40.85
0.00%
FINANCIAL SERVICES · Cap: $5.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 334111% more annual revenue ($4.02T vs $1.20B). UBSI leads profitability with a 38.7% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. UBSI earns a higher WallStSmart Score of 75/100 (B).
MFG
Strong Buy74
out of 100
Grade: B
UBSI
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+42.4%
Fair Value
$17.51
Current Price
$7.81
$9.70 discount
Margin of Safety
+71.1%
Fair Value
$153.04
Current Price
$40.85
$112.19 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 36.3%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 56.5%
Attractively priced relative to earnings
Revenue surging 29.4% year-over-year
Earnings expanding 32.0% YoY
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull 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 : UBSI
The strongest argument for UBSI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 38.7% and operating margin at 56.5%. Revenue growth of 29.4% demonstrates continued momentum.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Bear Case : UBSI
The primary concerns for UBSI are PEG Ratio.
Key Dynamics to Monitor
MFG profiles as a mature stock while UBSI is a growth play — different risk/reward profiles.
UBSI carries more volatility with a beta of 0.77 — expect wider price swings.
UBSI is growing revenue faster at 29.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UBSI scores higher overall (75/100 vs 74/100), backed by strong 38.7% margins and 29.4% revenue growth. MFG offers better value entry with a 42.4% 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.
United Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. The company is headquartered in Charleston, West Virginia.
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