Financial Institutions Inc (FISI)vsU.S. Bancorp (USB)
FISI
Financial Institutions Inc
$40.88
+0.27%
FINANCIAL SERVICES · Cap: $785.30M
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 11354% more annual revenue ($27.89B vs $243.46M). FISI leads profitability with a 33.9% profit margin vs 30.0%. FISI appears more attractively valued with a PEG of 1.41. FISI earns a higher WallStSmart Score of 74/100 (B).
FISI
Strong Buy74
out of 100
Grade: B
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.6%
Earnings expanding 22.4% YoY
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
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FISI
The strongest argument for FISI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.9% and operating margin at 43.6%. PEG of 1.41 suggests the stock is reasonably priced for its growth.
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%.
Bear Case : FISI
The primary concerns for FISI are Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FISI scores higher overall (74/100 vs 73/100), backed by strong 33.9% 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.
Financial Institutions Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Financial Institutions, Inc. is a holding company of the Five Star Bank that provides banking and financial services to individuals, municipalities and businesses. The company is headquartered in Warsaw, New York.
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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