First Bancorp (FBNC)vsMizuho Financial Group Inc. (MFG)
FBNC
First Bancorp
$58.47
-0.66%
FINANCIAL SERVICES · Cap: $2.42B
MFG
Mizuho Financial Group Inc.
$8.81
+1.38%
FINANCIAL SERVICES · Cap: $105.95B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 1021380% more annual revenue ($4.02T vs $393.33M). FBNC leads profitability with a 30.8% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.96. MFG earns a higher WallStSmart Score of 74/100 (B).
FBNC
Strong Buy71
out of 100
Grade: B
MFG
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 50.5%
Conservative balance sheet, low leverage
Earnings expanding 28.5% YoY
Strong operational efficiency at 36.3%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
ROE of 7.6% — below average capital efficiency
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : FBNC
The strongest argument for FBNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.8% and operating margin at 50.5%. Revenue growth of 13.9% demonstrates continued momentum.
Bull Case : MFG
The strongest argument for MFG centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.96 suggests the stock is reasonably priced for its growth.
Bear Case : FBNC
The primary concerns for FBNC are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Key Dynamics to Monitor
FBNC carries more volatility with a beta of 0.83 — expect wider price swings.
FBNC is growing revenue faster at 13.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 71/100), backed by strong 26.1% margins. 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.
First Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.
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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