ServisFirst Bancshares Inc (SFBS)vsU.S. Bancorp (USB)
SFBS
ServisFirst Bancshares Inc
$73.86
-0.89%
FINANCIAL SERVICES · Cap: $4.07B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 4913% more annual revenue ($26.35B vs $525.76M). SFBS leads profitability with a 52.6% profit margin vs 28.7%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
SFBS
Strong Buy70
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.7%
Fair Value
$236.81
Current Price
$73.86
$162.95 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
Keeps 53 of every $100 in revenue as profit
Strong operational efficiency at 72.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 22.5% year-over-year
Earnings expanding 33.0% 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
No major concerns identified
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SFBS
The strongest argument for SFBS centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 52.6% and operating margin at 72.4%. Revenue growth of 22.5% 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 : SFBS
No major red flags identified for SFBS, but monitor valuation.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
SFBS 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.
SFBS is growing revenue faster at 22.5% — 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 70/100), backed by strong 28.7% margins. SFBS offers better value entry with a 63.7% 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.
ServisFirst Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ServisFirst Bancshares, Inc. is the banking holding company for ServisFirst Bank providing various banking services to individual and corporate clients. The company is headquartered in Birmingham, Alabama.
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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