First Merchants Corporation Depository Shares (FRMEP)vsMizuho Financial Group Inc. (MFG)
FRMEP
First Merchants Corporation Depository Shares
$25.50
+0.12%
FINANCIAL SERVICES · Cap: $2.42B
MFG
Mizuho Financial Group Inc.
$9.94
+1.43%
FINANCIAL SERVICES · Cap: $116.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 690046% more annual revenue ($4.40T vs $637.81M). FRMEP leads profitability with a 31.2% profit margin vs 28.4%. FRMEP trades at a lower P/E of 6.8x. MFG earns a higher WallStSmart Score of 78/100 (B+).
FRMEP
Hold39
out of 100
Grade: F
MFG
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 22.6%
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
ROE of 7.4% — below average capital efficiency
Revenue declined 2.5%
Earnings declined 52.1%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FRMEP
The strongest argument for FRMEP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 22.6%.
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 : FRMEP
The primary concerns for FRMEP are Return on Equity, Revenue Growth, EPS Growth.
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
FRMEP profiles as a declining stock while MFG is a growth play — different risk/reward profiles.
FRMEP carries more volatility with a beta of 0.86 — 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 39/100), backed by strong 28.4% margins and 16.7% revenue growth. Both earn "Strong Buy" and "Hold" 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 Merchants Corporation Depository Shares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Merchants Corporation Depository Shares (FRMEP) embody a compelling investment opportunity within the Midwest's financial services sector, supported by a well-established banking institution. The company offers a comprehensive suite of financial solutions, including commercial banking, consumer lending, and wealth management, designed to address the distinct needs of its diverse client base. First Merchants prioritizes community engagement and sustainable growth, showcasing a strong commitment to enhancing shareholder value while maintaining resilience and financial stability amid varying market conditions. This strategic focus makes First Merchants an appealing choice for institutional investors seeking reliable returns in an evolving economic landscape.
Visit Website →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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