First Bancorp (FBNC)vsMizuho Financial Group Inc. (MFG)
FBNC
First Bancorp
$55.77
+1.47%
FINANCIAL SERVICES · Cap: $2.31B
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 1060545% more annual revenue ($4.02T vs $378.81M). FBNC leads profitability with a 29.3% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).
FBNC
Strong Buy73
out of 100
Grade: B
MFG
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+51.7%
Fair Value
$125.42
Current Price
$55.77
$69.65 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
Reasonable price relative to book value
Earnings expanding 341.0% YoY
Conservative balance sheet, low leverage
Keeps 29 of every $100 in revenue as profit
Strong operational efficiency at 23.0%
Revenue surging 21.5% year-over-year
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
Expensive relative to growth rate
ROE of 7.2% — 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, EPS Growth, Debt/Equity. Profitability is solid with margins at 29.3% and operating margin at 23.0%. Revenue growth of 21.5% 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 : 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 profiles as a growth stock while MFG is a mature play — different risk/reward profiles.
FBNC carries more volatility with a beta of 0.88 — expect wider price swings.
FBNC is growing revenue faster at 21.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 73/100), backed by strong 26.1% margins. FBNC offers better value entry with a 51.7% 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
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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