First Citizens BancShares Inc (FCNCA)vsU.S. Bancorp (USB)
FCNCA
First Citizens BancShares Inc
$1,857.42
+0.05%
FINANCIAL SERVICES · Cap: $22.36B
USB
U.S. Bancorp
$52.14
-0.48%
FINANCIAL SERVICES · Cap: $79.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 192% more annual revenue ($26.35B vs $9.04B). USB leads profitability with a 28.7% profit margin vs 24.4%. FCNCA appears more attractively valued with a PEG of 0.99. USB earns a higher WallStSmart Score of 75/100 (B).
FCNCA
Strong Buy67
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-87.0%
Fair Value
$1123.97
Current Price
$1857.42
$733.45 premium
Margin of Safety
+75.6%
Fair Value
$214.00
Current Price
$52.14
$161.86 discount
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 37.6%
Keeps 24 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Weak financial health signals
Earnings declined 6.9%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FCNCA
The strongest argument for FCNCA centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.4% and operating margin at 37.6%. PEG of 0.99 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 28.7% and operating margin at 39.3%.
Bear Case : FCNCA
The primary concerns for FCNCA are Piotroski F-Score, EPS Growth, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
FCNCA is growing revenue faster at 6.2% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 67/100), backed by strong 28.7% 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 Citizens BancShares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Citizens BancShares, Inc. is the parent company of First-Citizens Bank & Trust Company providing retail and business banking services to individuals, businesses and professionals. The company is headquartered in Raleigh, North Carolina.
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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