WallStSmart

First Citizens BancShares, Inc. (FCNCA)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 50692% more annual revenue ($4.74T vs $9.33B). MFG leads profitability with a 29.1% profit margin vs 25.2%. FCNCA appears more attractively valued with a PEG of 1.20. MFG earns a higher WallStSmart Score of 82/100 (A-).

FCNCA

Strong Buy

77

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: 0.32

MFG

Exceptional Buy

82

out of 100

Grade: A-

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

FCNCA5 strengths · Avg: 9.4/10
P/E RatioValuation
11.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.0%10/10

Strong operational efficiency at 39.0%

Profit MarginProfitability
25.2%9/10

Keeps 25 of every $100 in revenue as profit

EPS GrowthGrowth
31.0%8/10

Earnings expanding 31.0% YoY

MFG6 strengths · Avg: 9.0/10
Operating MarginProfitability
46.7%10/10

Strong operational efficiency at 46.7%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Market CapQuality
$136.43B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

FCNCA2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.473/10

Elevated debt levels

Altman Z-ScoreHealth
0.322/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.704/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.911/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : FCNCA

The strongest argument for FCNCA centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 25.2% and operating margin at 39.0%. PEG of 1.20 suggests the stock is reasonably priced for its growth.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 29.1% and operating margin at 46.7%. Revenue growth of 35.0% demonstrates continued momentum.

Bear Case : FCNCA

The primary concerns for FCNCA are Debt/Equity, Altman Z-Score.

Bear Case : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.91 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

FCNCA carries more volatility with a beta of 0.60 — expect wider price swings.

MFG is growing revenue faster at 35.0% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (82/100 vs 77/100), backed by strong 29.1% margins and 35.0% revenue growth. Both earn "Exceptional 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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