Flushing Financial Corporation (FFIC)vsU.S. Bancorp (USB)
FFIC
Flushing Financial Corporation
$15.03
-0.46%
FINANCIAL SERVICES · Cap: $501.48M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 11554% more annual revenue ($26.35B vs $226.14M). USB leads profitability with a 28.7% profit margin vs 8.3%. FFIC appears more attractively valued with a PEG of 1.34. USB earns a higher WallStSmart Score of 75/100 (B).
FFIC
Buy58
out of 100
Grade: C
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-328.1%
Fair Value
$3.84
Current Price
$15.03
$11.19 premium
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
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
Moderate valuation
0.2% earnings growth
Smaller company, higher risk/reward
ROE of 2.6% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FFIC
The strongest argument for FFIC centers on Price/Book. Revenue growth of 13.3% demonstrates continued momentum. PEG of 1.34 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 : FFIC
The primary concerns for FFIC are P/E Ratio, EPS Growth, Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FFIC profiles as a value stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
FFIC is growing revenue faster at 13.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 58/100), backed by strong 28.7% margins. Both earn "Strong Buy" and "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.
Flushing Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Flushing Financial Corporation is the banking holding company for Flushing Bank offering banking products and services primarily to consumers, businesses and government units. The company is headquartered in Uniondale, New York.
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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