WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 314026% more annual revenue ($4.40T vs $1.40B). MFG leads profitability with a 28.4% profit margin vs 24.7%. AUB appears more attractively valued with a PEG of 1.09. AUB earns a higher WallStSmart Score of 79/100 (B+).

AUB

Strong Buy

79

out of 100

Grade: B+

Growth: 10.0Profit: 6.5Value: 6.3Quality: 4.5
Piotroski: 2/9Altman Z: 0.33

MFG

Strong Buy

78

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AUB6 strengths · Avg: 9.7/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
51.0%10/10

Strong operational efficiency at 51.0%

Revenue GrowthGrowth
86.2%10/10

Revenue surging 86.2% year-over-year

EPS GrowthGrowth
61.5%10/10

Earnings expanding 61.5% YoY

Profit MarginProfitability
24.7%9/10

Keeps 25 of every $100 in revenue as profit

Debt/EquityHealth
0.269/10

Conservative balance sheet, low leverage

MFG6 strengths · Avg: 9.3/10
Operating MarginProfitability
32.5%10/10

Strong operational efficiency at 32.5%

EPS GrowthGrowth
680.0%10/10

Earnings expanding 680.0% YoY

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$115.97B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Areas to Watch

AUB3 concerns · Avg: 2.7/10
Return on EquityProfitability
6.8%3/10

ROE of 6.8% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.332/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.881/10

Elevated debt levels

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 24.7% and operating margin at 51.0%. Revenue growth of 86.2% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 32.5%. Revenue growth of 16.7% demonstrates continued momentum.

Bear Case : AUB

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

Bear Case : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.88 is elevated, increasing financial risk.

Key Dynamics to Monitor

AUB carries more volatility with a beta of 0.80 — expect wider price swings.

AUB is growing revenue faster at 86.2% — sustainability is the question.

MFG generates stronger free cash flow (487.7B), providing more financial flexibility.

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

Bottom Line

AUB scores higher overall (79/100 vs 78/100), backed by strong 24.7% margins and 86.2% 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.

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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