First BanCorp. (FBP)vsU.S. Bancorp (USB)
FBP
First BanCorp.
$26.70
+0.07%
FINANCIAL SERVICES · Cap: $4.18B
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2822% more annual revenue ($27.89B vs $954.21M). FBP leads profitability with a 39.0% profit margin vs 30.0%. USB appears more attractively valued with a PEG of 1.79. USB earns a higher WallStSmart Score of 73/100 (B).
FBP
Strong Buy66
out of 100
Grade: B-
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 49.1%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 24.4% YoY
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FBP
The strongest argument for FBP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 39.0% and operating margin at 49.1%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : FBP
The primary concerns for FBP are PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.02 — expect wider price swings.
FBP is growing revenue faster at 9.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (73/100 vs 66/100), backed by strong 30.0% margins. 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 BanCorp.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First BanCorp. The company is headquartered in Santurce, Puerto Rico.
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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