First Financial Bankshares Inc (FFIN)vsU.S. Bancorp (USB)
FFIN
First Financial Bankshares Inc
$31.42
+1.22%
FINANCIAL SERVICES · Cap: $4.41B
USB
U.S. Bancorp
$59.89
+1.90%
FINANCIAL SERVICES · Cap: $92.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 4047% more annual revenue ($27.89B vs $672.48M). FFIN leads profitability with a 43.3% profit margin vs 30.0%. USB appears more attractively valued with a PEG of 1.44. USB earns a higher WallStSmart Score of 75/100 (B).
FFIN
Strong Buy74
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 56.9%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 25.8% year-over-year
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
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FFIN
The strongest argument for FFIN centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 43.3% and operating margin at 56.9%. Revenue growth of 25.8% demonstrates continued momentum.
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%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : FFIN
The primary concerns for FFIN are PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FFIN profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
FFIN is growing revenue faster at 25.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 74/100), 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 Financial Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Financial Bankshares, Inc., offers commercial banking products and services in Texas. The company is headquartered in Abilene, Texas.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?