Flagstar Financial, Inc. (FLG)vsU.S. Bancorp (USB)
FLG
Flagstar Financial, Inc.
$13.27
+0.99%
FINANCIAL SERVICES · Cap: $5.47B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1303% more annual revenue ($26.35B vs $1.88B). USB leads profitability with a 28.7% profit margin vs -9.4%. FLG appears more attractively valued with a PEG of 0.47. USB earns a higher WallStSmart Score of 75/100 (B).
FLG
Buy59
out of 100
Grade: C
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for FLG.
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
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 21.8%
15.4% 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
0.0% earnings growth
ROE of -2.2% — below average capital efficiency
Negative free cash flow — burning cash
Currently unprofitable
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FLG
The strongest argument for FLG centers on PEG Ratio, Price/Book, Operating Margin. Revenue growth of 15.4% demonstrates continued momentum. PEG of 0.47 suggests the stock is reasonably priced for its growth.
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 : FLG
The primary concerns for FLG are EPS Growth, Return on Equity, Free Cash Flow.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FLG profiles as a growth stock while USB is a mature play — different risk/reward profiles.
FLG carries more volatility with a beta of 1.08 — expect wider price swings.
FLG is growing revenue faster at 15.4% — 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 59/100), backed by strong 28.7% margins. 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.
Flagstar Financial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Flagstar Financial, Inc. is the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company is headquartered in Hicksville, New York.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?