Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsTriCo Bancshares (TCBK)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$19.91
+0.07%
FINANCIAL SERVICES · Cap: $227.34B
TCBK
TriCo Bancshares
$50.69
-0.02%
FINANCIAL SERVICES · Cap: $1.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 2046950% more annual revenue ($8.51T vs $415.93M). TCBK leads profitability with a 31.0% profit margin vs 28.5%. MUFG appears more attractively valued with a PEG of 1.73. TCBK earns a higher WallStSmart Score of 74/100 (B).
MUFG
Strong Buy73
out of 100
Grade: B
TCBK
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 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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 30.0% YoY
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 : TCBK
The strongest argument for TCBK centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 43.7%. Revenue growth of 10.7% 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 : TCBK
The primary concerns for TCBK are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
TCBK carries more volatility with a beta of 0.62 — 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
TCBK scores higher overall (74/100 vs 73/100), backed by strong 31.0% margins and 10.7% 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 →TriCo Bancshares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TriCo Bancshares is a bank holding company for Tri Counties Bank providing commercial banking services to individual and corporate clients. The company is headquartered in Chico, California.
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