ServisFirst Bancshares Inc (SFBS)vsU.S. Bancorp (USB)
SFBS
ServisFirst Bancshares Inc
$89.22
-0.46%
FINANCIAL SERVICES · Cap: $4.75B
USB
U.S. Bancorp
$62.82
+0.13%
FINANCIAL SERVICES · Cap: $100.43B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 4877% more annual revenue ($27.32B vs $548.91M). SFBS leads profitability with a 54.0% profit margin vs 29.9%. USB trades at a lower P/E of 12.7x. USB earns a higher WallStSmart Score of 75/100 (B).
SFBS
Strong Buy66
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 54 of every $100 in revenue as profit
Strong operational efficiency at 69.9%
Attractively priced relative to earnings
Reasonable price relative to book value
18.5% revenue growth
Earnings expanding 31.1% YoY
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SFBS
The strongest argument for SFBS centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 54.0% and operating margin at 69.9%. Revenue growth of 18.5% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : SFBS
The primary concerns for SFBS are Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
SFBS profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.98 — expect wider price swings.
SFBS is growing revenue faster at 18.5% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 66/100), 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.
ServisFirst Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ServisFirst Bancshares, Inc. is the banking holding company for ServisFirst Bank providing various banking services to individual and corporate clients. The company is headquartered in Birmingham, Alabama.
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?