First Bancorp (FBNC)vsU.S. Bancorp (USB)
FBNC
First Bancorp
$64.80
-0.28%
FINANCIAL SERVICES · Cap: $2.69B
USB
U.S. Bancorp
$60.70
-0.38%
FINANCIAL SERVICES · Cap: $92.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6053% more annual revenue ($27.89B vs $453.20M). FBNC leads profitability with a 36.2% profit margin vs 30.0%. USB appears more attractively valued with a PEG of 1.44. FBNC earns a higher WallStSmart Score of 77/100 (B+).
FBNC
Strong Buy77
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Revenue surging 49.3% year-over-year
Earnings expanding 152.3% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
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 3.8B in free cash flow
Areas to Watch
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FBNC
The strongest argument for FBNC centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 36.2% and operating margin at 46.2%. Revenue growth of 49.3% 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%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : FBNC
The primary concerns for FBNC are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FBNC 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.
FBNC is growing revenue faster at 49.3% — sustainability is the question.
USB generates stronger free cash flow (3.8B), providing more financial flexibility.
Bottom Line
FBNC scores higher overall (77/100 vs 75/100), backed by strong 36.2% margins and 49.3% 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 Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.
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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