FB Financial Corp (FBK)vsU.S. Bancorp (USB)
FBK
FB Financial Corp
$53.18
+0.11%
FINANCIAL SERVICES · Cap: $2.83B
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 4678% more annual revenue ($26.65B vs $557.67M). USB leads profitability with a 29.3% profit margin vs 25.3%. USB trades at a lower P/E of 11.4x. USB earns a higher WallStSmart Score of 71/100 (B).
FBK
Strong Buy71
out of 100
Grade: B
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 45.8%
Revenue surging 31.9% year-over-year
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Earnings expanding 31.0% YoY
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
ROE of 7.9% — below average capital efficiency
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 : FBK
The strongest argument for FBK centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.3% and operating margin at 45.8%. Revenue growth of 31.9% 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 : FBK
The primary concerns for FBK are Return on Equity, 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
FBK 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.
FBK is growing revenue faster at 31.9% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
FBK scores higher overall (71/100 vs 71/100), backed by strong 25.3% margins and 31.9% 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.
FB Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FB Financial Corporation is a banking holding company for FirstBank offering a pool of commercial and consumer banking companies, professionals and individuals. The company is headquartered in Nashville, Tennessee.
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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