First BanCorp. (FBP)vsMizuho Financial Group Inc. (MFG)
FBP
First BanCorp.
$24.32
+0.08%
FINANCIAL SERVICES · Cap: $3.94B
MFG
Mizuho Financial Group Inc.
$9.52
+1.68%
FINANCIAL SERVICES · Cap: $115.97B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 471741% more annual revenue ($4.40T vs $932.90M). FBP leads profitability with a 38.2% profit margin vs 28.4%. MFG appears more attractively valued with a PEG of 1.65. MFG earns a higher WallStSmart Score of 78/100 (B+).
FBP
Strong Buy66
out of 100
Grade: B-
MFG
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 47.8%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 21.3% YoY
Strong operational efficiency at 32.5%
Earnings expanding 680.0% YoY
Generating 487.7B in free cash flow
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FBP
The strongest argument for FBP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 38.2% and operating margin at 47.8%.
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 : FBP
The primary concerns for FBP are PEG Ratio.
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
FBP profiles as a mature stock while MFG is a growth play — different risk/reward profiles.
FBP carries more volatility with a beta of 0.83 — 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.
First BanCorp.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First BanCorp. The company is headquartered in Santurce, Puerto Rico.
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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