First Busey Corp (BUSE)vsU.S. Bancorp (USB)
BUSE
First Busey Corp
$27.58
+0.51%
FINANCIAL SERVICES · Cap: $2.43B
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3313% more annual revenue ($26.65B vs $780.66M). USB leads profitability with a 29.3% profit margin vs 27.6%. USB appears more attractively valued with a PEG of 1.83. BUSE earns a higher WallStSmart Score of 76/100 (B+).
BUSE
Strong Buy76
out of 100
Grade: B+
USB
Strong Buy71
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
Strong operational efficiency at 36.4%
Revenue surging 143.4% year-over-year
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BUSE
The strongest argument for BUSE centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 36.4%. Revenue growth of 143.4% demonstrates continued momentum.
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 : BUSE
The primary concerns for BUSE are PEG Ratio, Piotroski F-Score, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
BUSE profiles as a growth 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.
BUSE is growing revenue faster at 143.4% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
BUSE scores higher overall (76/100 vs 71/100), backed by strong 27.6% margins and 143.4% 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.
First Busey Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Busey Corporation is the banking holding company for Busey Bank offering retail and commercial banking products and services to individual, corporate, institutional and government clients in the United States. The company is headquartered in Champaign, Illinois.
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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