First Financial [FFIN] vs U.S. Bancorp [USB] Detailed Stock Comparison

First Financial Bankshares Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: First Financial Bankshares Inc. wins in 7 metrics, U.S. Bancorp wins in 12 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Financial Bankshares Inc. U.S. Bancorp Better
P/E Ratio (TTM) 17.37 11.92 U.S. Bancorp
Price-to-Book Ratio 2.37 1.51 U.S. Bancorp
Debt-to-Equity Ratio 0.05 1.21 First Financial Bankshares Inc.
PEG Ratio 1.07 0.82 U.S. Bancorp
Profit Margin (TTM) 42.40% 29.29% First Financial Bankshares Inc.
Operating Margin (TTM) 57.13% 37.84% First Financial Bankshares Inc.
EBITDA Margin (TTM) 57.13% 37.84% First Financial Bankshares Inc.
Return on Equity 14.56% 12.35% First Financial Bankshares Inc.
Return on Assets (TTM) 1.78% 1.14% First Financial Bankshares Inc.
Free Cash Flow (TTM) $286.01M $7.97B U.S. Bancorp
Dividend Yield 2.75% 3.82% U.S. Bancorp
1-Year Return -7.32% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 7.36 3.32 U.S. Bancorp
Enterprise Value $3.93B $126.46B U.S. Bancorp
EV/Revenue Ratio 6.32 4.75 U.S. Bancorp
Revenue per Share (TTM) $4 $17 U.S. Bancorp
Earnings per Share (Diluted) $1.84 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.83 1.03 First Financial Bankshares Inc.
Short % of Float 7.53% 0.00% U.S. Bancorp

First Financial Bankshares Inc. vs U.S. Bancorp Stock Performance Analysis

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FFIN
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Financial Bankshares Inc.-2.85%-2.34%-0.25%4.52%0.19%5.63%
U.S. Bancorp-2.67%-2.83%-3.80%-1.57%4.34%-1.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Financial Bankshares Inc.-7.32%15.48%-36.74%96.51%292.79%430.52%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: First Financial Bankshares Inc. vs U.S. Bancorp

MetricFFINUSB
Market Information
Market Cap i$4.58B$88.06B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i679,7509,829,002
90 Day Avg. Volume i730,13010,401,007
Last Close$31.71$53.14
52 Week Range$28.12 - $38.74$42.55 - $61.19
% from 52W High-18.15%-13.16%
All-Time High$55.00 (Nov 22, 2021)$63.57 (Jan 10, 2022)
% from All-Time High-42.35%-16.41%
Growth Metrics
Quarterly Revenue Growth0.13%0.05%
Quarterly Earnings Growth0.17%0.14%
Financial Health
Profit Margin (TTM) i0.42%0.29%
Operating Margin (TTM) i0.57%0.38%
Return on Equity (TTM) i0.15%0.12%
Debt to Equity (MRQ) i0.051.21
Cash & Liquidity
Book Value per Share (MRQ)$13.48$37.54
Cash per Share (MRQ)$5.15$31.14
Operating Cash Flow (TTM) i$253.47M$6.04B
Levered Free Cash Flow (TTM) i$253.58M$7.19B
Dividends
Last 12-Month Dividend Yield i2.75%3.82%
Last 12-Month Dividend i$0.94$2.04

Valuation & Enterprise Metrics Analysis: First Financial Bankshares Inc. vs U.S. Bancorp

MetricFFIN (Apr 26, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i17.3711.92
Forward P/E i14.9510.09
PEG Ratio i1.070.82
Price to Sales (TTM) i7.363.32
Price to Book (MRQ) i2.371.51
Market Capitalization
Market Capitalization i$4.58B$88.06B
Enterprise Value i$3.93B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i6.324.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.831.03
Book Value per Share (MRQ) i$13.48$37.54

Financial Statements Comparison: First Financial Bankshares Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFFIN (2025)USB (2025)
Revenue/Sales i617.11M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i309.60M9.52B
Pre-Tax Income % of Revenue i50.2%33.3%
Income Tax i56.02M1.92B
Income Tax % of Revenue i9.1%6.7%
Net Income (Profit) i253.58M7.60B
Profit Margin i41.1%26.6%

Balance Sheet & Liquidity Metrics

MetricFFIN (2025)USB (2025)
Cash & Equivalents i1.08B46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i21.06M60.76B
Long-Term Debt % of Revenue i3.4%212.9%
Total Shareholders Equity i1.92B65.65B
Retained Earnings i1.49B80.91B
Retained Earnings % of Revenue i240.8%283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricFFIN (2025)USB (2025)
Operating Cash Flow i253.47M6.04B
Operating Cash Flow % of Revenue i41.1%21.2%
Capital Expenditures i-10.37MN/A
Free Cash Flow i286.01M7.97B
FCF Margin i46.3%27.9%
Debt Repayment iN/A-9.05B
Common Stock Repurchase i0-489.00M

Short Interest & Institutional Ownership Analysis

MetricFFINUSB
Shares Short i8.11M27,002
Short Ratio i11.390.00
Short % of Float i7.53%0.00%
Shares Outstanding i143.28M1.56B
Float Shares i137.73M1.55B
% Held by Insiders i3.61%0.14%
% Held by Institutions i67.69%83.55%
% Held by Public i28.70%16.31%

Dividend Analysis & Yield Comparison: First Financial Bankshares Inc. vs U.S. Bancorp

MetricFFINUSB
Last 12-Month Dividend i$0.94$2.04
Last 12-Month Dividend Yield i2.75%3.82%
3-Year Avg Annual Dividend i$0.79$1.98
3-Year Avg Dividend Yield i0.57%1.19%
3-Year Total Dividends i$2.37$5.95
Ex-Dividend DateMar 13, 2026Dec 31, 2025