WallStSmart

Atlantic Union Bankshares Corp (AUB)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 325874% more annual revenue ($4.02T vs $1.23B). MFG leads profitability with a 26.1% profit margin vs 22.2%. MFG appears more attractively valued with a PEG of 0.86. AUB earns a higher WallStSmart Score of 79/100 (B+).

AUB

Strong Buy

79

out of 100

Grade: B+

Growth: 9.3Profit: 6.5Value: 10.0Quality: 5.3
Piotroski: 3/9Altman Z: 0.34

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AUBUndervalued (+56.8%)

Margin of Safety

+56.8%

Fair Value

$95.00

Current Price

$35.33

$59.67 discount

UndervaluedFair: $95.00Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AUB6 strengths · Avg: 9.2/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
53.4%10/10

Strong operational efficiency at 53.4%

Revenue GrowthGrowth
91.5%10/10

Revenue surging 91.5% year-over-year

Profit MarginProfitability
22.2%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
17.2x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
29.8%8/10

Earnings expanding 29.8% YoY

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

AUB3 concerns · Avg: 2.7/10
Return on EquityProfitability
6.7%3/10

ROE of 6.7% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.342/10

Distress zone — elevated risk

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : AUB

The strongest argument for AUB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 22.2% and operating margin at 53.4%. Revenue growth of 91.5% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bear Case : AUB

The primary concerns for AUB are Return on Equity, Piotroski F-Score, Altman Z-Score.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

AUB profiles as a growth stock while MFG is a mature play — different risk/reward profiles.

AUB carries more volatility with a beta of 0.81 — expect wider price swings.

AUB is growing revenue faster at 91.5% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AUB scores higher overall (79/100 vs 74/100), backed by strong 22.2% margins and 91.5% revenue growth. MFG offers better value entry with a 42.4% margin of safety. 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.

Atlantic Union Bankshares Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Atlantic Union Bankshares Corporation is the holding company of Atlantic Union Bank providing related banking and financial services to consumers and businesses. The company is headquartered in Richmond, Virginia.

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Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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