WallStSmart

3M Company (MMM)vsOtter Tail Corporation (OTTR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

3M Company generates 1813% more annual revenue ($24.95B vs $1.30B). OTTR leads profitability with a 21.2% profit margin vs 13.0%. MMM appears more attractively valued with a PEG of 1.38. OTTR earns a higher WallStSmart Score of 63/100 (C+).

MMM

Buy

54

out of 100

Grade: C-

Growth: 2.7Profit: 7.0Value: 7.3Quality: 5.5
Piotroski: 5/9Altman Z: 2.82

OTTR

Buy

63

out of 100

Grade: C+

Growth: 2.7Profit: 7.5Value: 7.3Quality: 6.3
Piotroski: 2/9Altman Z: 1.67
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MMMSignificantly Overvalued (-323.6%)

Margin of Safety

-323.6%

Fair Value

$40.80

Current Price

$141.20

$100.40 premium

UndervaluedFair: $40.80Overvalued
OTTRSignificantly Overvalued (-92.9%)

Margin of Safety

-92.9%

Fair Value

$44.54

Current Price

$84.20

$39.66 premium

UndervaluedFair: $44.54Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MMM3 strengths · Avg: 9.0/10
Return on EquityProfitability
75.5%10/10

Every $100 of equity generates 76 in profit

Market CapQuality
$74.37B9/10

Large-cap with strong market position

Free Cash FlowQuality
$1.33B8/10

Generating 1.3B in free cash flow

OTTR4 strengths · Avg: 8.3/10
Profit MarginProfitability
21.2%9/10

Keeps 21 of every $100 in revenue as profit

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
22.2%8/10

Strong operational efficiency at 22.2%

Areas to Watch

MMM4 concerns · Avg: 2.8/10
Price/BookValuation
15.9x4/10

Trading at 15.9x book value

Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

EPS GrowthGrowth
-19.9%2/10

Earnings declined 19.9%

Debt/EquityHealth
2.751/10

Elevated debt levels

OTTR4 concerns · Avg: 3.8/10
PEG RatioValuation
1.784/10

Expensive relative to growth rate

Revenue GrowthGrowth
1.6%4/10

1.6% revenue growth

Altman Z-ScoreHealth
1.674/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : MMM

The strongest argument for MMM centers on Return on Equity, Market Cap, Free Cash Flow. PEG of 1.38 suggests the stock is reasonably priced for its growth.

Bull Case : OTTR

The strongest argument for OTTR centers on Profit Margin, P/E Ratio, Price/Book. Profitability is solid with margins at 21.2% and operating margin at 22.2%.

Bear Case : MMM

The primary concerns for MMM are Price/Book, Revenue Growth, EPS Growth. Debt-to-equity of 2.75 is elevated, increasing financial risk.

Bear Case : OTTR

The primary concerns for OTTR are PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

MMM carries more volatility with a beta of 1.13 — expect wider price swings.

MMM is growing revenue faster at 2.0% — sustainability is the question.

MMM generates stronger free cash flow (1.3B), providing more financial flexibility.

Monitor CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

OTTR scores higher overall (63/100 vs 54/100), backed by strong 21.2% margins. Both earn "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.

3M Company

INDUSTRIALS · CONGLOMERATES · USA

The 3M Company is an American multinational conglomerate corporation operating in the fields of industry, worker safety, US health care, and consumer goods. The company produces over 60,000 products under several brands, including adhesives, abrasives, laminates, passive fire protection, personal protective equipment, window films, paint protection films, dental and orthodontic products, electrical and electronic connecting and insulating materials, medical products, car-care products, electronic circuits, healthcare software and optical films. It is based in Maplewood, a suburb of Saint Paul, Minnesota.

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Otter Tail Corporation

INDUSTRIALS · CONGLOMERATES · USA

Otter Tail Corporation is engaged in electrical service, manufacturing and plastic piping businesses in the United States. The company is headquartered in Fergus Falls, Minnesota.

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