WallStSmart

CrossFirst Bankshares Inc (CFB)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1755965% more annual revenue ($4.40T vs $250.66M). CFB leads profitability with a 31.3% profit margin vs 28.4%. CFB trades at a lower P/E of 10.3x. MFG earns a higher WallStSmart Score of 78/100 (B+).

CFB

Strong Buy

66

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 6.7Quality: 5.0
Piotroski: 4/9Altman Z: -0.21

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

CFB6 strengths · Avg: 9.5/10
P/E RatioValuation
10.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.3%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
48.6%10/10

Strong operational efficiency at 48.6%

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

EPS GrowthGrowth
27.4%8/10

Earnings expanding 27.4% YoY

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

CFB2 concerns · Avg: 2.5/10
Market CapQuality
$788.64M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.212/10

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 : CFB

The strongest argument for CFB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.3% and operating margin at 48.6%. Revenue growth of 13.9% 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 : CFB

The primary concerns for CFB are Market Cap, 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

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

CFB carries more volatility with a beta of 1.12 — expect wider price swings.

MFG is growing revenue faster at 16.7% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (78/100 vs 66/100), backed by strong 28.4% margins and 16.7% 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.

CrossFirst Bankshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

CrossFirst Bankshares, Inc. is the banking holding company for CrossFirst Bank providing various banking and financial services to businesses, business owners, professionals, and their personal networks. The company is headquartered in Leawood, Kansas.

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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