Bank First National Corp (BFC)vsU.S. Bancorp (USB)
BFC
Bank First National Corp
$153.42
-0.99%
FINANCIAL SERVICES · Cap: $1.72B
USB
U.S. Bancorp
$63.94
+0.20%
FINANCIAL SERVICES · Cap: $100.05B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 12477% more annual revenue ($27.32B vs $217.23M). BFC leads profitability with a 37.3% profit margin vs 29.9%. BFC appears more attractively valued with a PEG of 0.10. USB earns a higher WallStSmart Score of 75/100 (B).
BFC
Strong Buy74
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 51.5%
Revenue surging 57.0% year-over-year
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BFC
The strongest argument for BFC centers on PEG Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 37.3% and operating margin at 51.5%. Revenue growth of 57.0% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : BFC
The primary concerns for BFC are Market Cap, Free Cash Flow, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
BFC profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.98 — expect wider price swings.
BFC is growing revenue faster at 57.0% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 74/100), backed by strong 29.9% margins and 10.4% 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.
Bank First National Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bank First Corporation is a Bank First NA holding company providing business and consumer financial services to businesses, professionals and consumers in Wisconsin. The company is headquartered in Manitowoc, Wisconsin.
Visit Website →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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