First Horizon Corporation (FHN)vsU.S. Bancorp (USB)
FHN
First Horizon Corporation
$24.16
-0.37%
FINANCIAL SERVICES · Cap: $11.93B
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 677% more annual revenue ($26.65B vs $3.43B). FHN leads profitability with a 29.9% profit margin vs 29.3%. FHN appears more attractively valued with a PEG of 1.76. FHN earns a higher WallStSmart Score of 75/100 (B).
FHN
Strong Buy75
out of 100
Grade: B
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 42.9%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 29.3% 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
Expensive relative to growth rate
Elevated debt levels
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 : FHN
The strongest argument for FHN centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 42.9%.
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 : FHN
The primary concerns for FHN are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
FHN profiles as a mature 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.
FHN is growing revenue faster at 9.7% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
FHN scores higher overall (75/100 vs 71/100), backed by strong 29.9% 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 Horizon Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Horizon Corporation is the banking holding company for First Horizon Bank providing various financial services. The company is headquartered in Memphis, Tennessee.
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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