WallStSmart

Bayfirst Financial Corp (BAFN)vsU.S. Bancorp (USB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U.S. Bancorp generates 84494% more annual revenue ($26.65B vs $31.50M). USB leads profitability with a 29.3% profit margin vs -89.8%. USB earns a higher WallStSmart Score of 71/100 (B).

BAFN

Hold

40

out of 100

Grade: D

Growth: 6.7Profit: 2.0Value: 5.0Quality: 7.8
Piotroski: 4/9

USB

Strong Buy

71

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 6.3Quality: 3.5
Piotroski: 4/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAFN3 strengths · Avg: 9.7/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
609.0%10/10

Earnings expanding 609.0% YoY

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

USB6 strengths · Avg: 9.3/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.8%10/10

Strong operational efficiency at 37.8%

Market CapQuality
$84.69B9/10

Large-cap with strong market position

Profit MarginProfitability
29.3%9/10

Keeps 29 of every $100 in revenue as profit

Free Cash FlowQuality
$1.34B8/10

Generating 1.3B in free cash flow

Areas to Watch

BAFN4 concerns · Avg: 2.3/10
Market CapQuality
$31.19M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-32.3%2/10

ROE of -32.3% — below average capital efficiency

Revenue GrowthGrowth
-52.7%2/10

Revenue declined 52.7%

Free Cash FlowQuality
$-3.21M2/10

Negative free cash flow — burning cash

USB4 concerns · Avg: 3.3/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Debt/EquityHealth
1.203/10

Elevated debt levels

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BAFN

The strongest argument for BAFN centers on Price/Book, EPS Growth, Debt/Equity.

Bull Case : USB

The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.

Bear Case : BAFN

The primary concerns for BAFN are Market Cap, Return on Equity, Revenue Growth.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.

Key Dynamics to Monitor

BAFN profiles as a turnaround stock while USB is a value play — different risk/reward profiles.

USB carries more volatility with a beta of 1.02 — expect wider price swings.

USB is growing revenue faster at 4.6% — sustainability is the question.

USB generates stronger free cash flow (1.3B), providing more financial flexibility.

Bottom Line

USB scores higher overall (71/100 vs 40/100), backed by strong 29.3% margins. 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.

Bayfirst Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

BayFirst Financial Corp. The company is headquartered in Saint Petersburg, Florida.

U.S. Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.

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