First Commonwealth Financial (FCF)vsU.S. Bancorp (USB)
FCF
First Commonwealth Financial
$19.11
+0.84%
FINANCIAL SERVICES · Cap: $1.93B
USB
U.S. Bancorp
$55.69
+2.27%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 5275% more annual revenue ($26.65B vs $495.72M). FCF leads profitability with a 31.7% profit margin vs 29.3%. FCF appears more attractively valued with a PEG of 1.46. FCF earns a higher WallStSmart Score of 72/100 (B).
FCF
Strong Buy72
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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.8%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
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
Smaller company, higher risk/reward
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 : FCF
The strongest argument for FCF centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.7% and operating margin at 41.8%. PEG of 1.46 suggests the stock is reasonably priced for its growth.
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 : FCF
The primary concerns for FCF are Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
FCF profiles as a mature 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.
FCF is growing revenue faster at 9.1% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
FCF scores higher overall (72/100 vs 71/100), backed by strong 31.7% 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 Commonwealth Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Commonwealth Financial Corporation, a financial holding company, provides a variety of consumer and commercial banking services to individuals and small and medium-sized businesses in the United States. The company is headquartered in Indiana, Pennsylvania.
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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