Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsSouthern First Bancshares Inc (SFST)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$19.91
+0.07%
FINANCIAL SERVICES · Cap: $227.34B
SFST
Southern First Bancshares Inc
$58.97
+0.89%
FINANCIAL SERVICES · Cap: $557.57M
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 6985038% more annual revenue ($8.51T vs $121.89M). SFST leads profitability with a 28.7% profit margin vs 28.5%. MUFG appears more attractively valued with a PEG of 1.73. MUFG earns a higher WallStSmart Score of 73/100 (B).
MUFG
Strong Buy73
out of 100
Grade: B
SFST
Strong Buy71
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
Reasonable price relative to book value
Strong operational efficiency at 41.2%
Earnings expanding 83.1% YoY
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.2% 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
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 : SFST
The strongest argument for SFST centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 28.7% and operating margin at 41.2%. Revenue growth of 26.2% 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 : SFST
The primary concerns for SFST are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
MUFG profiles as a mature stock while SFST is a growth play — different risk/reward profiles.
SFST carries more volatility with a beta of 0.69 — expect wider price swings.
SFST is growing revenue faster at 26.2% — sustainability is the question.
MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.
Bottom Line
MUFG scores higher overall (73/100 vs 71/100), backed by strong 28.5% margins and 11.7% 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 →Southern First Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern First Bancshares, Inc. is the banking holding company for Southern First Bank offering various banking products and services to the general public in South Carolina, North Carolina and Georgia. The company is headquartered in Greenville, South Carolina.
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