First Savings Financial Group Inc (FSFG)vsU.S. Bancorp (USB)
FSFG
First Savings Financial Group Inc
$33.98
0.00%
FINANCIAL SERVICES · Cap: $238.37M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 31191% more annual revenue ($26.35B vs $84.22M). USB leads profitability with a 28.7% profit margin vs 27.5%. FSFG trades at a lower P/E of 10.2x. USB earns a higher WallStSmart Score of 75/100 (B).
FSFG
Strong Buy67
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.1%
Fair Value
$155.38
Current Price
$33.98
$121.40 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 34.1%
Keeps 28 of every $100 in revenue as profit
Revenue surging 26.3% year-over-year
Earnings expanding 41.8% YoY
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
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FSFG
The strongest argument for FSFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.5% and operating margin at 34.1%. Revenue growth of 26.3% 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 : FSFG
The primary concerns for FSFG are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.40 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FSFG 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.
FSFG is growing revenue faster at 26.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 67/100), backed by strong 28.7% margins. FSFG offers better value entry with a 78.1% margin of safety. 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 Savings Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Savings Financial Group, Inc. is a financial holding company for First Savings Bank in Southern Indiana. The company is headquartered in Jeffersonville, Indiana.
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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