First Business Financial Services (FBIZ)vsU.S. Bancorp (USB)
FBIZ
First Business Financial Services
$75.40
+2.22%
FINANCIAL SERVICES · Cap: $593.31M
USB
U.S. Bancorp
$60.64
-1.98%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 16358% more annual revenue ($27.89B vs $169.43M). FBIZ leads profitability with a 32.8% profit margin vs 30.0%. FBIZ appears more attractively valued with a PEG of 1.24. FBIZ earns a higher WallStSmart Score of 80/100 (B+).
FBIZ
Strong Buy80
out of 100
Grade: B+
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.5%
Reasonable price relative to book value
16.5% revenue growth
Earnings expanding 36.3% YoY
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FBIZ
The strongest argument for FBIZ centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.8% and operating margin at 39.5%. Revenue growth of 16.5% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : FBIZ
The primary concerns for FBIZ are Market Cap, Debt/Equity, Altman Z-Score. Debt-to-equity of 1.51 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FBIZ profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
FBIZ is growing revenue faster at 16.5% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
FBIZ scores higher overall (80/100 vs 73/100), backed by strong 32.8% margins and 16.5% 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 Business Financial Services
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Business Financial Services, Inc. is the banking holding company for First Business Bank providing commercial banking products and services for small and medium-sized businesses, business owners, executives, professionals and high net worth individuals. The company is headquartered in Madison, Wisconsin.
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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