First Citizens BancShares, Inc. (FCNCA)vsMizuho Financial Group Inc. (MFG)
FCNCA
First Citizens BancShares, Inc.
$2,075.10
+1.36%
FINANCIAL SERVICES · Cap: $24.43B
MFG
Mizuho Financial Group Inc.
$9.52
-0.10%
FINANCIAL SERVICES · Cap: $115.97B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 48055% more annual revenue ($4.40T vs $9.14B). MFG leads profitability with a 28.4% profit margin vs 24.7%. FCNCA appears more attractively valued with a PEG of 1.30. MFG earns a higher WallStSmart Score of 78/100 (B+).
FCNCA
Strong Buy75
out of 100
Grade: B
MFG
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 34.2%
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 23.6% 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
4.9% revenue growth
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FCNCA
The strongest argument for FCNCA centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.7% and operating margin at 34.2%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
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 : FCNCA
The primary concerns for FCNCA are Revenue Growth, Debt/Equity, Free Cash Flow. Debt-to-equity of 1.54 is elevated, increasing financial risk.
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
FCNCA profiles as a value stock while MFG is a growth play — different risk/reward profiles.
FCNCA carries more volatility with a beta of 0.62 — 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 75/100), 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 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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