WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsNortheast Bancorp (NBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 3697521% more annual revenue ($8.51T vs $230.26M). NBN leads profitability with a 42.7% profit margin vs 28.5%. MUFG appears more attractively valued with a PEG of 1.73. NBN earns a higher WallStSmart Score of 75/100 (B+).

MUFG

Strong Buy

73

out of 100

Grade: B

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

NBN

Strong Buy

75

out of 100

Grade: B+

Growth: 10.0Profit: 8.0Value: 5.7Quality: 3.5
Piotroski: 5/9Altman Z: -0.44

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$227.34B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
39.5%10/10

Strong operational efficiency at 39.5%

Free Cash FlowQuality
$8.09T10/10

Generating 8.1T in free cash flow

Profit MarginProfitability
28.5%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

NBN6 strengths · Avg: 9.7/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

Profit MarginProfitability
42.7%10/10

Keeps 43 of every $100 in revenue as profit

Operating MarginProfitability
65.5%10/10

Strong operational efficiency at 65.5%

Revenue GrowthGrowth
34.6%10/10

Revenue surging 34.6% year-over-year

EPS GrowthGrowth
58.3%10/10

Earnings expanding 58.3% YoY

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.521/10

Elevated debt levels

NBN4 concerns · Avg: 2.5/10
Market CapQuality
$1.04B3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.303/10

Elevated debt levels

PEG RatioValuation
5.272/10

Expensive relative to growth rate

Free Cash FlowQuality
$-10.41M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : NBN

The strongest argument for NBN centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 42.7% and operating margin at 65.5%. Revenue growth of 34.6% demonstrates continued momentum.

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.

Bear Case : NBN

The primary concerns for NBN are Market Cap, Debt/Equity, PEG Ratio.

Key Dynamics to Monitor

MUFG profiles as a mature stock while NBN is a growth play — different risk/reward profiles.

NBN carries more volatility with a beta of 0.60 — expect wider price swings.

NBN is growing revenue faster at 34.6% — sustainability is the question.

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

Bottom Line

NBN scores higher overall (75/100 vs 73/100), backed by strong 42.7% margins and 34.6% 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.

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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Northeast Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Northeast Bank offers personal and business banking services in Maine, United States. The company is headquartered in Portland, Maine.

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