WallStSmart

Southern First Bancshares Inc (SFST)vsU.S. Bancorp (USB)

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Smart Verdict

WallStSmart Research — data-driven comparison

U.S. Bancorp generates 21548% more annual revenue ($27.89B vs $128.81M). SFST leads profitability with a 30.7% profit margin vs 30.0%. USB appears more attractively valued with a PEG of 1.79. USB earns a higher WallStSmart Score of 73/100 (B).

SFST

Strong Buy

71

out of 100

Grade: B

Growth: 9.3Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 6/9Altman Z: -0.77

USB

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 3.5
Piotroski: 4/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SFST6 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.7%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
44.0%10/10

Strong operational efficiency at 44.0%

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
24.8%8/10

Revenue surging 24.8% year-over-year

EPS GrowthGrowth
48.1%8/10

Earnings expanding 48.1% YoY

USB6 strengths · Avg: 9.2/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Profit MarginProfitability
30.0%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
40.1%10/10

Strong operational efficiency at 40.1%

Market CapQuality
$91.50B9/10

Large-cap with strong market position

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.82B8/10

Generating 4.8B in free cash flow

Areas to Watch

SFST3 concerns · Avg: 3.0/10
PEG RatioValuation
2.314/10

Expensive relative to growth rate

Market CapQuality
$577.11M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.772/10

Distress zone — elevated risk

USB3 concerns · Avg: 3.0/10
PEG RatioValuation
1.794/10

Expensive relative to growth rate

Debt/EquityHealth
1.103/10

Elevated debt levels

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : SFST

The strongest argument for SFST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.7% and operating margin at 44.0%. Revenue growth of 24.8% demonstrates continued momentum.

Bull Case : USB

The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.

Bear Case : SFST

The primary concerns for SFST are PEG Ratio, Market Cap, Altman Z-Score.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

SFST profiles as a growth stock while USB is a mature play — different risk/reward profiles.

USB carries more volatility with a beta of 1.02 — expect wider price swings.

SFST is growing revenue faster at 24.8% — sustainability is the question.

USB generates stronger free cash flow (4.8B), providing more financial flexibility.

Bottom Line

USB scores higher overall (73/100 vs 71/100), backed by strong 30.0% margins. 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.

Southern First Bancshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Southern First Bancshares, Inc. is the banking holding company for Southern First Bank offering various banking products and services to the general public in South Carolina, North Carolina and Georgia. The company is headquartered in Greenville, South Carolina.

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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