First Hawaiian Inc (FHB)vsU.S. Bancorp (USB)
FHB
First Hawaiian Inc
$28.60
+0.40%
FINANCIAL SERVICES · Cap: $3.49B
USB
U.S. Bancorp
$55.69
+0.10%
FINANCIAL SERVICES · Cap: $90.02B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2968% more annual revenue ($26.65B vs $868.43M). FHB leads profitability with a 32.8% profit margin vs 29.3%. USB appears more attractively valued with a PEG of 2.12. USB earns a higher WallStSmart Score of 69/100 (B-).
FHB
Buy65
out of 100
Grade: C+
USB
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 42.1%
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
Attractively priced relative to earnings
Generating 1.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
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 : FHB
The strongest argument for FHB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.8% and operating margin at 42.1%.
Bull Case : USB
The strongest argument for USB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : FHB
The primary concerns for FHB are PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
FHB profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.00 — expect wider price swings.
FHB is growing revenue faster at 7.4% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (69/100 vs 65/100), backed by strong 29.3% 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.
First Hawaiian Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Hawaiian, Inc. is a banking holding company for First Hawaiian Bank providing a range of banking services to consumers and business customers in the United States.
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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