Midland States Bancorp, Inc. (MSBI)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)
MSBI
Midland States Bancorp, Inc.
$34.25
+0.03%
FINANCIAL SERVICES · Cap: $684.40M
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$21.46
+2.24%
FINANCIAL SERVICES · Cap: $241.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 2363008% more annual revenue ($7.26T vs $307.24M). MUFG leads profitability with a 27.5% profit margin vs 19.0%. MSBI appears more attractively valued with a PEG of 1.41. MSBI earns a higher WallStSmart Score of 80/100 (B+).
MSBI
Strong Buy80
out of 100
Grade: B+
MUFG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 37.5%
Revenue surging 34.5% year-over-year
Earnings expanding 299.1% YoY
Attractively priced relative to earnings
Mega-cap, among the largest globally
Strong operational efficiency at 45.6%
Earnings expanding 50.9% YoY
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MSBI
The strongest argument for MSBI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 19.0% and operating margin at 37.5%. Revenue growth of 34.5% demonstrates continued momentum.
Bull Case : MUFG
The strongest argument for MUFG centers on Market Cap, Operating Margin, EPS Growth. Profitability is solid with margins at 27.5% and operating margin at 45.6%. Revenue growth of 28.8% demonstrates continued momentum.
Bear Case : MSBI
The primary concerns for MSBI are Market Cap, Debt/Equity, Altman Z-Score.
Bear Case : MUFG
The primary concerns for MUFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.16 is elevated, increasing financial risk.
Key Dynamics to Monitor
MSBI carries more volatility with a beta of 0.64 — expect wider price swings.
MSBI is growing revenue faster at 34.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MSBI scores higher overall (80/100 vs 79/100), backed by strong 19.0% margins and 34.5% revenue growth. 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.
Midland States Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.
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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