WallStSmart

FB Financial Corp (FBK)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 675974% more annual revenue ($4.40T vs $650.78M). FBK leads profitability with a 30.2% profit margin vs 28.4%. FBK trades at a lower P/E of 15.9x. MFG earns a higher WallStSmart Score of 80/100 (B+).

FBK

Strong Buy

73

out of 100

Grade: B

Growth: 9.3Profit: 7.0Value: 6.0Quality: 6.0
Piotroski: 2/9Altman Z: -0.68

MFG

Strong Buy

80

out of 100

Grade: B+

Growth: 10.0Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FBK6 strengths · Avg: 9.5/10
Profit MarginProfitability
30.2%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
45.5%10/10

Strong operational efficiency at 45.5%

Revenue GrowthGrowth
130.2%10/10

Revenue surging 130.2% year-over-year

EPS GrowthGrowth
1783.0%10/10

Earnings expanding 1783.0% YoY

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

MFG6 strengths · Avg: 9.3/10
Revenue GrowthGrowth
44.9%10/10

Revenue surging 44.9% year-over-year

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
$120.24B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

Areas to Watch

FBK3 concerns · Avg: 2.7/10
Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.682/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.734/10

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 : FBK

The strongest argument for FBK centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 30.2% and operating margin at 45.5%. Revenue growth of 130.2% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Revenue Growth, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 25.9%. Revenue growth of 44.9% demonstrates continued momentum.

Bear Case : FBK

The primary concerns for FBK 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

FBK carries more volatility with a beta of 0.95 — expect wider price swings.

FBK is growing revenue faster at 130.2% — 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

MFG scores higher overall (80/100 vs 73/100), backed by strong 28.4% margins and 44.9% 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.

FB Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

FB Financial Corporation is a banking holding company for FirstBank offering a pool of commercial and consumer banking companies, professionals and individuals. The company is headquartered in Nashville, Tennessee.

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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