Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsBank of N.T. Butterfield & Son Ltd (NTB)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$19.91
+0.40%
FINANCIAL SERVICES · Cap: $227.34B
NTB
Bank of N.T. Butterfield & Son Ltd
$57.91
+0.59%
FINANCIAL SERVICES · Cap: $2.21B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 1388588% more annual revenue ($8.51T vs $613.12M). NTB leads profitability with a 39.3% profit margin vs 28.5%. MUFG appears more attractively valued with a PEG of 1.73. NTB earns a higher WallStSmart Score of 75/100 (B+).
MUFG
Strong Buy73
out of 100
Grade: B
NTB
Strong Buy75
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 42.7%
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
4.3% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 39.3% and operating margin at 42.7%.
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 : NTB
The primary concerns for NTB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
MUFG profiles as a mature stock while NTB is a value play — different risk/reward profiles.
NTB carries more volatility with a beta of 0.50 — 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
NTB scores higher overall (75/100 vs 73/100), backed by strong 39.3% margins. 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.
Visit Website →Bank of N.T. Butterfield & Son Ltd
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.
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