Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsPeapack-Gladstone Financial (PGC)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$21.94
+2.55%
FINANCIAL SERVICES · Cap: $240.42B
PGC
Peapack-Gladstone Financial
$46.01
-3.58%
FINANCIAL SERVICES · Cap: $809.38M
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 2450512% more annual revenue ($6.71T vs $273.87M). MUFG leads profitability with a 25.8% profit margin vs 16.0%. PGC appears more attractively valued with a PEG of 0.64. PGC earns a higher WallStSmart Score of 76/100 (B+).
MUFG
Strong Buy71
out of 100
Grade: B
PGC
Strong Buy76
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
Earnings expanding 86.0% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
Strong operational efficiency at 28.1%
Revenue surging 25.5% year-over-year
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
ROE of 6.3% — below average capital efficiency
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 : PGC
The strongest argument for PGC centers on Price/Book, EPS Growth, Debt/Equity. Profitability is solid with margins at 16.0% and operating margin at 28.1%. Revenue growth of 25.5% 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 : PGC
The primary concerns for PGC are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
MUFG profiles as a mature stock while PGC is a growth play — different risk/reward profiles.
PGC carries more volatility with a beta of 0.71 — expect wider price swings.
PGC is growing revenue faster at 25.5% — sustainability is the question.
MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.
Bottom Line
PGC scores higher overall (76/100 vs 71/100), backed by strong 16.0% margins and 25.5% 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.
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 →Peapack-Gladstone Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.
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