First Bancorp Inc (FNLC)vsMizuho Financial Group Inc. (MFG)
FNLC
First Bancorp Inc
$27.88
+0.25%
FINANCIAL SERVICES · Cap: $302.95M
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 4326335% more annual revenue ($4.02T vs $92.87M). FNLC leads profitability with a 37.0% profit margin vs 26.1%. FNLC trades at a lower P/E of 8.8x. MFG earns a higher WallStSmart Score of 74/100 (B).
FNLC
Strong Buy70
out of 100
Grade: B
MFG
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+79.8%
Fair Value
$143.68
Current Price
$27.88
$115.80 discount
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
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 51.1%
Revenue surging 22.8% year-over-year
Earnings expanding 41.1% YoY
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
Smaller company, higher risk/reward
Negative free cash flow — burning cash
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : FNLC
The strongest argument for FNLC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.0% and operating margin at 51.1%. Revenue growth of 22.8% demonstrates continued momentum.
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 : FNLC
The primary concerns for FNLC are Market Cap, Free Cash Flow.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Key Dynamics to Monitor
FNLC profiles as a growth stock while MFG is a mature play — different risk/reward profiles.
FNLC carries more volatility with a beta of 0.54 — expect wider price swings.
FNLC is growing revenue faster at 22.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 70/100), backed by strong 26.1% margins. FNLC offers better value entry with a 79.8% margin of safety. 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 Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp, Inc. is the holding company of First National Bank offering a range of banking products and services to individual and corporate clients. The company is headquartered in Damariscotta, Maine.
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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