Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsSouth Plains Financial Inc (SPFI)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$21.94
+2.55%
FINANCIAL SERVICES · Cap: $240.42B
SPFI
South Plains Financial Inc
$45.10
-0.60%
FINANCIAL SERVICES · Cap: $847.20M
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 3167993% more annual revenue ($6.71T vs $211.85M). SPFI leads profitability with a 28.7% profit margin vs 25.8%. SPFI trades at a lower P/E of 12.0x. MUFG earns a higher WallStSmart Score of 71/100 (B).
MUFG
Strong Buy71
out of 100
Grade: B
SPFI
Buy60
out of 100
Grade: C+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 34.1%
Conservative balance sheet, low leverage
Keeps 29 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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 25.8% and operating margin at 116.9%. Revenue growth of 11.7% demonstrates continued momentum.
Bull Case : SPFI
The strongest argument for SPFI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 34.1%. Revenue growth of 10.6% 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 : SPFI
The primary concerns for SPFI are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
SPFI carries more volatility with a beta of 0.46 — 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.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MUFG scores higher overall (71/100 vs 60/100), 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.
Visit Website →South Plains Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
South Plains Financial, Inc. is a bank holding company for City Bank providing commercial and consumer financial services to small and medium-sized businesses and individuals. The company is headquartered in Lubbock, Texas.
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