Primis Financial Corp (FRST)vsU.S. Bancorp (USB)
FRST
Primis Financial Corp
$16.65
-3.43%
FINANCIAL SERVICES · Cap: $382.73M
USB
U.S. Bancorp
$60.91
+0.57%
FINANCIAL SERVICES · Cap: $94.88B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 13332% more annual revenue ($26.65B vs $198.38M). USB leads profitability with a 29.3% profit margin vs 23.3%. FRST trades at a lower P/E of 8.3x. USB earns a higher WallStSmart Score of 69/100 (B-).
FRST
Buy57
out of 100
Grade: C
USB
Strong Buy69
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 23 of every $100 in revenue as profit
Strong operational efficiency at 25.1%
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
Reasonable price relative to book value
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 22.7%
Earnings declined 67.6%
Negative free cash flow — burning cash
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FRST
The strongest argument for FRST centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 23.3% and operating margin at 25.1%.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : FRST
The primary concerns for FRST are Market Cap, Revenue Growth, EPS Growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
FRST profiles as a declining 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.
USB is growing revenue faster at 4.6% — 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 57/100), 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.
Primis Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Primis Financial Corp. The company is headquartered in McLean, Virginia.
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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