First United Corporation (FUNC)vsU.S. Bancorp (USB)
FUNC
First United Corporation
$38.12
-2.36%
FINANCIAL SERVICES · Cap: $256.06M
USB
U.S. Bancorp
$55.69
+2.27%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 30112% more annual revenue ($26.65B vs $88.20M). USB leads profitability with a 29.3% profit margin vs 28.8%. FUNC appears more attractively valued with a PEG of 0.33. USB earns a higher WallStSmart Score of 71/100 (B).
FUNC
Strong Buy71
out of 100
Grade: B
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 41.0%
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FUNC
The strongest argument for FUNC centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 28.8% and operating margin at 41.0%. Revenue growth of 11.2% 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 29.3% and operating margin at 37.8%.
Bear Case : FUNC
The primary concerns for FUNC are Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
FUNC profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
FUNC is growing revenue faster at 11.2% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
FUNC scores higher overall (71/100 vs 71/100), backed by strong 28.8% margins and 11.2% 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 United Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First United Corporation is the banking holding company for First United Bank & Trust providing various retail and commercial banking services to businesses and individuals. The company is headquartered in Oakland, Maryland.
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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