Simmons First National Corporation (SFNC)vsU.S. Bancorp (USB)
SFNC
Simmons First National Corporation
$23.25
+0.26%
FINANCIAL SERVICES · Cap: $3.31B
USB
U.S. Bancorp
$62.84
-0.26%
FINANCIAL SERVICES · Cap: $97.91B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 24676% more annual revenue ($27.32B vs $110.27M). USB leads profitability with a 29.9% profit margin vs 0.0%. USB appears more attractively valued with a PEG of 1.88. USB earns a higher WallStSmart Score of 77/100 (B+).
SFNC
Buy52
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
Strong operational efficiency at 38.3%
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
0.0% margin — thin
Weak financial health signals
Expensive relative to growth rate
ROE of -10.5% — below average capital efficiency
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SFNC
The strongest argument for SFNC centers on Price/Book, Operating Margin. Revenue growth of 14.3% 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 : SFNC
The primary concerns for SFNC are Profit Margin, Piotroski F-Score, PEG Ratio.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
SFNC 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.
SFNC is growing revenue faster at 14.3% — 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 52/100), 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.
Simmons First National Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Simmons First National Corporation is the holding company of Simmons Bank providing banking and financial products and services to individuals and businesses. The company is headquartered in Pine Bluff, Arkansas.
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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