First Financial Bancorp (FFBC)vsU.S. Bancorp (USB)
FFBC
First Financial Bancorp
$30.60
+0.56%
FINANCIAL SERVICES · Cap: $3.19B
USB
U.S. Bancorp
$55.53
+0.40%
FINANCIAL SERVICES · Cap: $85.86B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2804% more annual revenue ($26.65B vs $917.75M). FFBC leads profitability with a 30.4% profit margin vs 29.3%. FFBC appears more attractively valued with a PEG of 1.12. FFBC earns a higher WallStSmart Score of 83/100 (A-).
FFBC
Exceptional Buy83
out of 100
Grade: A-
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
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 37.2%
Revenue surging 32.6% year-over-year
Earnings expanding 31.5% 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
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FFBC
The strongest argument for FFBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.4% and operating margin at 37.2%. Revenue growth of 32.6% 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 : FFBC
The primary concerns for FFBC are Piotroski F-Score, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
FFBC 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.
FFBC is growing revenue faster at 32.6% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
FFBC scores higher overall (83/100 vs 71/100), backed by strong 30.4% margins and 32.6% revenue growth. Both earn "Exceptional 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 Financial Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Financial Bancorp. The company is headquartered in Cincinnati, Ohio.
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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