WallStSmart

MidWestOne Financial Group Inc (MOFG)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 3025256% more annual revenue ($6.71T vs $221.84M). MOFG leads profitability with a 26.4% profit margin vs 25.8%. MUFG appears more attractively valued with a PEG of 1.86. MUFG earns a higher WallStSmart Score of 71/100 (B).

MOFG

Buy

55

out of 100

Grade: C

Growth: 2.0Profit: 7.5Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: -0.66

MUFG

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 7/9Altman Z: 0.37

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MOFG5 strengths · Avg: 8.8/10
Operating MarginProfitability
41.7%10/10

Strong operational efficiency at 41.7%

Profit MarginProfitability
26.4%9/10

Keeps 26 of every $100 in revenue as profit

Debt/EquityHealth
0.169/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$240.42B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
116.9%10/10

Strong operational efficiency at 116.9%

Free Cash FlowQuality
$8.09T10/10

Generating 8.1T in free cash flow

Profit MarginProfitability
25.8%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
16.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

MOFG4 concerns · Avg: 2.5/10
Market CapQuality
$1.02B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
2.522/10

Expensive relative to growth rate

Revenue GrowthGrowth
-14.6%2/10

Revenue declined 14.6%

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.864/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.521/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : MOFG

The strongest argument for MOFG centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 26.4% and operating margin at 41.7%.

Bull Case : MUFG

The strongest argument for MUFG centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 25.8% and operating margin at 116.9%. Revenue growth of 11.7% demonstrates continued momentum.

Bear Case : MOFG

The primary concerns for MOFG are Market Cap, Piotroski F-Score, PEG Ratio.

Bear Case : MUFG

The primary concerns for MUFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.52 is elevated, increasing financial risk.

Key Dynamics to Monitor

MOFG profiles as a declining stock while MUFG is a mature play — different risk/reward profiles.

MOFG carries more volatility with a beta of 1.06 — expect wider price swings.

MUFG is growing revenue faster at 11.7% — sustainability is the question.

MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.

Bottom Line

MUFG scores higher overall (71/100 vs 55/100), backed by strong 25.8% margins and 11.7% revenue growth. 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.

MidWestOne Financial Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

MidWestOne Financial Group, Inc. is the banking holding company for MidWestOne Bank offering commercial and retail banking products and services to individuals, businesses, government units, and institutional clients. The company is headquartered in Iowa City, Iowa.

Mitsubishi UFJ Financial Group Inc ADR

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Mitsubishi UFJ Financial Group, Inc., a banking holding company, offers financial services in Japan, the United States, and Asia / Oceania. The company is headquartered in Tokyo, Japan.

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