Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsOld Second Bancorp Inc (OSBC)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$21.94
+2.51%
FINANCIAL SERVICES · Cap: $240.42B
OSBC
Old Second Bancorp Inc
$25.29
+0.28%
FINANCIAL SERVICES · Cap: $1.27B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 1965961% more annual revenue ($6.71T vs $341.37M). OSBC leads profitability with a 27.1% profit margin vs 25.8%. OSBC appears more attractively valued with a PEG of 1.51. OSBC earns a higher WallStSmart Score of 74/100 (B).
MUFG
Strong Buy71
out of 100
Grade: B
OSBC
Strong Buy74
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 116.9%
Generating 8.1T in free cash flow
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 44.7%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 22.7% year-over-year
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Smaller company, higher risk/reward
Weak financial health signals
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 25.8% and operating margin at 116.9%. Revenue growth of 11.7% demonstrates continued momentum.
Bull Case : OSBC
The strongest argument for OSBC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.1% and operating margin at 44.7%. Revenue growth of 22.7% 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 : OSBC
The primary concerns for OSBC are PEG Ratio, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
MUFG profiles as a mature stock while OSBC is a growth play — different risk/reward profiles.
OSBC carries more volatility with a beta of 0.70 — expect wider price swings.
OSBC is growing revenue faster at 22.7% — sustainability is the question.
MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.
Bottom Line
OSBC scores higher overall (74/100 vs 71/100), backed by strong 27.1% margins and 22.7% 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.
Visit Website →Old Second Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old Second Bancorp, Inc. is the banking holding company for Old Second National Bank providing a range of banking services. The company is headquartered in Aurora, Illinois.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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