First Savings Financial Group Inc (FSFG)vsU.S. Bancorp (USB)
FSFG
First Savings Financial Group Inc
$33.98
0.00%
FINANCIAL SERVICES · Cap: $238.37M
USB
U.S. Bancorp
$58.48
-0.14%
FINANCIAL SERVICES · Cap: $91.11B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 32339% more annual revenue ($27.32B vs $84.22M). USB leads profitability with a 29.9% profit margin vs 0.3%. FSFG trades at a lower P/E of 10.2x. USB earns a higher WallStSmart Score of 77/100 (B+).
FSFG
Strong Buy67
out of 100
Grade: B-
USB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
0.3% revenue growth
0.4% earnings growth
Smaller company, higher risk/reward
0.3% margin — thin
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FSFG
The strongest argument for FSFG centers on P/E Ratio, Price/Book.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Operating Margin, Market Cap. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : FSFG
The primary concerns for FSFG are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 2.40 is elevated, increasing financial risk. Thin 0.3% margins leave little buffer for downturns.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FSFG profiles as a value stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.97 — expect wider price swings.
USB is growing revenue faster at 10.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (77/100 vs 67/100), backed by strong 29.9% margins and 10.4% 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 Savings Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Savings Financial Group, Inc. is a financial holding company for First Savings Bank in Southern Indiana. The company is headquartered in Jeffersonville, Indiana.
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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