First Citizens BancShares Inc (FCNCA)vsMizuho Financial Group Inc. (MFG)
FCNCA
First Citizens BancShares Inc
$1,857.42
+0.05%
FINANCIAL SERVICES · Cap: $22.36B
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 44365% more annual revenue ($4.02T vs $9.04B). MFG leads profitability with a 26.1% profit margin vs 24.4%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).
FCNCA
Strong Buy67
out of 100
Grade: B-
MFG
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-87.0%
Fair Value
$1123.97
Current Price
$1857.42
$733.45 premium
Margin of Safety
+42.4%
Fair Value
$17.51
Current Price
$7.81
$9.70 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.6%
Keeps 24 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
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
Areas to Watch
Weak financial health signals
Earnings declined 6.9%
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : FCNCA
The strongest argument for FCNCA centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.4% and operating margin at 37.6%. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bull Case : MFG
The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bear Case : FCNCA
The primary concerns for FCNCA are Piotroski F-Score, EPS Growth, Altman Z-Score.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Key Dynamics to Monitor
FCNCA carries more volatility with a beta of 0.66 — expect wider price swings.
FCNCA is growing revenue faster at 6.2% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 67/100), 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 Citizens BancShares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Citizens BancShares, Inc. is the parent company of First-Citizens Bank & Trust Company providing retail and business banking services to individuals, businesses and professionals. The company is headquartered in Raleigh, 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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