Midland States Bancorp, Inc. (MSBI)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)
MSBI
Midland States Bancorp, Inc.
$28.53
+0.04%
FINANCIAL SERVICES · Cap: $596.19M
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$19.91
+0.40%
FINANCIAL SERVICES · Cap: $227.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 3101994% more annual revenue ($8.51T vs $274.47M). MUFG leads profitability with a 28.5% profit margin vs 12.8%. MSBI appears more attractively valued with a PEG of 1.41. MUFG earns a higher WallStSmart Score of 73/100 (B).
MSBI
Buy60
out of 100
Grade: C+
MUFG
Strong Buy73
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 34.0%
Mega-cap, among the largest globally
Strong operational efficiency at 39.5%
Generating 8.1T in free cash flow
Keeps 29 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
ROE of 6.3% — below average capital efficiency
Earnings declined 71.2%
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 of 14.3% demonstrates continued momentum. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bull Case : MUFG
The strongest argument for MUFG centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 28.5% and operating margin at 39.5%. Revenue growth of 11.7% demonstrates continued momentum.
Bear Case : MSBI
The primary concerns for MSBI are Market Cap, Return on Equity, EPS Growth.
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
MSBI profiles as a value stock while MUFG is a mature play — different risk/reward profiles.
MSBI carries more volatility with a beta of 0.67 — expect wider price swings.
MSBI is growing revenue faster at 14.3% — sustainability is the question.
MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.
Bottom Line
MUFG scores higher overall (73/100 vs 60/100), backed by strong 28.5% 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.
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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