WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsSimmons First National Corporation (SFNC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 6086306% more annual revenue ($6.71T vs $110.27M). MUFG leads profitability with a 25.8% profit margin vs 0.0%. MUFG appears more attractively valued with a PEG of 1.86. MUFG earns a higher WallStSmart Score of 71/100 (B).

MUFG

Strong Buy

71

out of 100

Grade: B

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

SFNC

Buy

52

out of 100

Grade: C-

Growth: 4.7Profit: 4.5Value: 4.0Quality: 6.0
Piotroski: 3/9Altman Z: 0.07

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$240.42B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
116.9%10/10

Strong operational efficiency at 116.9%

Free Cash FlowQuality
$8.09T10/10

Generating 8.1T in free cash flow

Profit MarginProfitability
25.8%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
16.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

SFNC2 strengths · Avg: 10.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.9%10/10

Strong operational efficiency at 39.9%

Areas to Watch

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.864/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.521/10

Elevated debt levels

SFNC4 concerns · Avg: 2.5/10
Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.832/10

Expensive relative to growth rate

Return on EquityProfitability
-10.5%2/10

ROE of -10.5% — below average capital efficiency

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 25.8% and operating margin at 116.9%. Revenue growth of 11.7% demonstrates continued momentum.

Bull Case : SFNC

The strongest argument for SFNC centers on Price/Book, Operating Margin. Revenue growth of 14.3% 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 : SFNC

The primary concerns for SFNC are Profit Margin, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

MUFG profiles as a mature stock while SFNC is a value play — different risk/reward profiles.

SFNC carries more volatility with a beta of 0.92 — expect wider price swings.

SFNC 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 (71/100 vs 52/100), backed by strong 25.8% 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.

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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Simmons First National Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Simmons First National Corporation is the holding company of Simmons Bank providing banking and financial products and services to individuals and businesses. The company is headquartered in Pine Bluff, Arkansas.

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