First US Bancshares Inc (FUSB)vsU.S. Bancorp (USB)
FUSB
First US Bancshares Inc
$16.99
+0.24%
FINANCIAL SERVICES · Cap: $90.28M
USB
U.S. Bancorp
$62.84
+0.69%
FINANCIAL SERVICES · Cap: $97.91B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 68487% more annual revenue ($27.32B vs $39.83M). USB leads profitability with a 29.9% profit margin vs 19.5%. FUSB trades at a lower P/E of 12.4x. USB earns a higher WallStSmart Score of 77/100 (B+).
FUSB
Buy62
out of 100
Grade: C+
USB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 1065.0% YoY
Attractively priced relative to earnings
Strong operational efficiency at 22.6%
Revenue surging 29.9% year-over-year
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 5.9% — below average capital efficiency
Weak financial health signals
Negative free cash flow — burning cash
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FUSB
The strongest argument for FUSB centers on Price/Book, EPS Growth, P/E Ratio. Profitability is solid with margins at 19.5% and operating margin at 22.6%. Revenue growth of 29.9% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : FUSB
The primary concerns for FUSB are Market Cap, Return on Equity, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FUSB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.97 — expect wider price swings.
FUSB is growing revenue faster at 29.9% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (77/100 vs 62/100), backed by strong 29.9% margins and 10.4% revenue growth. 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.
First US Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First US Bancshares, Inc. is the banking holding company for First US Bank offering commercial banking products and services. The company is headquartered in Birmingham, Alabama.
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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