First Financial Corporation Indiana (THFF)vsU.S. Bancorp (USB)
THFF
First Financial Corporation Indiana
$82.79
+0.24%
FINANCIAL SERVICES · Cap: $961.34M
USB
U.S. Bancorp
$64.23
-0.05%
FINANCIAL SERVICES · Cap: $100.43B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 10089% more annual revenue ($27.32B vs $268.14M). THFF leads profitability with a 31.6% profit margin vs 29.9%. USB appears more attractively valued with a PEG of 2.13. USB earns a higher WallStSmart Score of 75/100 (B).
THFF
Strong Buy70
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.3%
Reasonable price relative to book value
16.6% revenue growth
Earnings expanding 21.8% YoY
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
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : THFF
The strongest argument for THFF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 31.6% and operating margin at 41.3%. Revenue growth of 16.6% 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 : THFF
The primary concerns for THFF are Market Cap, PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
THFF profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.98 — expect wider price swings.
THFF is growing revenue faster at 16.6% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 70/100), backed by strong 29.9% margins and 10.4% revenue growth. 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 Financial Corporation Indiana
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Financial Corporation, provides various financial services. The company is headquartered in Terre Haute, Indiana.
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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