HomeTrust Bancshares, Inc. (HTB)vsU.S. Bancorp (USB)
HTB
HomeTrust Bancshares, Inc.
$46.83
+1.17%
FINANCIAL SERVICES · Cap: $793.55M
USB
U.S. Bancorp
$55.69
+2.27%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 12552% more annual revenue ($26.65B vs $210.61M). HTB leads profitability with a 31.6% profit margin vs 29.3%. USB trades at a lower P/E of 11.4x. USB earns a higher WallStSmart Score of 71/100 (B).
HTB
Buy62
out of 100
Grade: C+
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 40.5%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HTB
The strongest argument for HTB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.6% and operating margin at 40.5%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : HTB
The primary concerns for HTB are Market Cap, Piotroski F-Score, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
HTB profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
HTB is growing revenue faster at 9.3% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 62/100), 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.
HomeTrust Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HomeTrust Bancshares, Inc. is the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. The company is headquartered in Asheville, North Carolina.
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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