WallStSmart

F.N.B. Corp (FNB)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 239199% more annual revenue ($4.02T vs $1.68B). FNB leads profitability with a 33.7% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. FNB earns a higher WallStSmart Score of 82/100 (A-).

FNB

Exceptional Buy

82

out of 100

Grade: A-

Growth: 8.7Profit: 7.5Value: 10.0Quality: 6.8
Piotroski: 7/9

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FNBUndervalued (+74.7%)

Margin of Safety

+74.7%

Fair Value

$73.01

Current Price

$16.49

$56.52 discount

UndervaluedFair: $73.01Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FNB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.6x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.7%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

EPS GrowthGrowth
55.8%10/10

Earnings expanding 55.8% YoY

Revenue GrowthGrowth
26.4%8/10

Revenue surging 26.4% year-over-year

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

FNB0 concerns · Avg: 0/10

No major concerns identified

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : FNB

The strongest argument for FNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.7% and operating margin at 38.5%. Revenue growth of 26.4% 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 : FNB

No major red flags identified for FNB, but monitor valuation.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

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

FNB carries more volatility with a beta of 0.91 — expect wider price swings.

FNB is growing revenue faster at 26.4% — sustainability is the question.

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

Bottom Line

FNB scores higher overall (82/100 vs 74/100), backed by strong 33.7% margins and 26.4% revenue growth. MFG offers better value entry with a 42.4% margin of safety. 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.

F.N.B. Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

FNB Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small and medium-sized businesses. The company is headquartered in Pittsburgh, Pennsylvania.

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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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