Home BancShares Inc (HOMB)vsU.S. Bancorp (USB)
HOMB
Home BancShares Inc
$28.96
+0.42%
FINANCIAL SERVICES · Cap: $5.92B
USB
U.S. Bancorp
$58.48
-0.14%
FINANCIAL SERVICES · Cap: $91.11B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2385% more annual revenue ($27.32B vs $1.10B). HOMB leads profitability with a 43.6% profit margin vs 29.9%. USB appears more attractively valued with a PEG of 1.79. USB earns a higher WallStSmart Score of 77/100 (B+).
HOMB
Buy59
out of 100
Grade: C
USB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 57.6%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
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
Expensive relative to growth rate
Earnings declined 1.6%
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HOMB
The strongest argument for HOMB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 43.6% and operating margin at 57.6%.
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 : HOMB
The primary concerns for HOMB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
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.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (77/100 vs 59/100), backed by strong 29.9% margins and 10.4% revenue growth. 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.
Home BancShares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Home Bancshares, Inc. (Conway, AR) is the banking holding company of Centennial Bank offering commercial and retail banking and related financial services to real estate companies, developers and investors, individuals and municipalities. The company is headquartered in Conway, Arkansas.
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?