First Interstate BancSystem Inc (FIBK)vsU.S. Bancorp (USB)
FIBK
First Interstate BancSystem Inc
$33.63
+1.08%
FINANCIAL SERVICES · Cap: $3.36B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2454% more annual revenue ($26.35B vs $1.03B). FIBK leads profitability with a 29.3% profit margin vs 28.7%. USB appears more attractively valued with a PEG of 1.80. FIBK earns a higher WallStSmart Score of 82/100 (A-).
FIBK
Exceptional Buy82
out of 100
Grade: A-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.5%
Fair Value
$138.06
Current Price
$33.63
$104.43 discount
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 47.4%
Revenue surging 34.4% year-over-year
Earnings expanding 115.5% YoY
Keeps 29 of every $100 in revenue as profit
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
Expensive relative to growth rate
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FIBK
The strongest argument for FIBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 47.4%. Revenue growth of 34.4% 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 28.7% and operating margin at 39.3%.
Bear Case : FIBK
The primary concerns for FIBK are PEG Ratio.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FIBK profiles as a growth 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.
FIBK is growing revenue faster at 34.4% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
FIBK scores higher overall (82/100 vs 75/100), backed by strong 29.3% margins and 34.4% revenue growth. USB offers better value entry with a 75.8% margin of safety. 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 Interstate BancSystem Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Interstate BancSystem, Inc. is the banking holding company for First Interstate Bank offering a range of banking products and services in the United States. The company is headquartered in Billings, Montana.
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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