Finwise Bancorp (FINW)vsU.S. Bancorp (USB)
FINW
Finwise Bancorp
$15.71
-2.54%
FINANCIAL SERVICES · Cap: $208.80M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 28517% more annual revenue ($26.35B vs $92.09M). USB leads profitability with a 28.7% profit margin vs 17.5%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
FINW
Buy60
out of 100
Grade: C
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+66.9%
Fair Value
$52.88
Current Price
$15.71
$37.17 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
Reasonable price relative to book value
Revenue surging 69.0% year-over-year
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 41.3% 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
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FINW
The strongest argument for FINW centers on Price/Book, Revenue Growth, Debt/Equity. Profitability is solid with margins at 17.5% and operating margin at 18.8%. Revenue growth of 69.0% 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 : FINW
The primary concerns for FINW are Market Cap, Piotroski F-Score, Free Cash Flow.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FINW 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.
FINW is growing revenue faster at 69.0% — 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 60/100), backed by strong 28.7% margins. FINW offers better value entry with a 66.9% margin of safety. Both earn "Strong Buy" and "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.
Finwise Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FinWise Bancorp is FinWise Bank's banking holding company that offers various banking services to individual and corporate clients. The company is headquartered in Murray, Utah.
Visit Website →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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