First Community Corporation (FCCO)vsU.S. Bancorp (USB)
FCCO
First Community Corporation
$28.52
+0.04%
FINANCIAL SERVICES · Cap: $259.12M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 33684% more annual revenue ($26.35B vs $78.01M). USB leads profitability with a 28.7% profit margin vs 24.6%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
FCCO
Strong Buy69
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+52.8%
Fair Value
$63.43
Current Price
$28.52
$34.91 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 35.4%
Keeps 25 of every $100 in revenue as profit
17.5% revenue growth
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
Expensive relative to growth rate
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FCCO
The strongest argument for FCCO centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.6% and operating margin at 35.4%. Revenue growth of 17.5% 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 : FCCO
The primary concerns for FCCO are PEG Ratio, Market Cap, Free Cash Flow.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FCCO 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.
FCCO is growing revenue faster at 17.5% — 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 69/100), backed by strong 28.7% margins. FCCO offers better value entry with a 52.8% 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.
First Community Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Community Corporation is the banking holding company for First Community Bank, offering various commercial and retail banking products and services to small and medium-sized businesses, professional companies, and individuals. The company is headquartered in Lexington, South 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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