Premier Financial [PFC] vs U.S. Bancorp [USB] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Premier Financial Corp. wins in 4 metrics, U.S. Bancorp wins in 13 metrics, with 0 ties. U.S. Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Premier Financial Corp. | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 14.16 | 11.92 | U.S. Bancorp |
| Price-to-Book Ratio | 1.00 | 1.51 | Premier Financial Corp. |
| Debt-to-Equity Ratio | 0.59 | 1.21 | Premier Financial Corp. |
| PEG Ratio | 13.16 | 0.82 | U.S. Bancorp |
| Profit Margin (TTM) | 28.60% | 29.29% | U.S. Bancorp |
| Operating Margin (TTM) | 46.72% | 37.84% | Premier Financial Corp. |
| EBITDA Margin (TTM) | 46.72% | 37.84% | Premier Financial Corp. |
| Return on Equity | 7.22% | 12.35% | U.S. Bancorp |
| Return on Assets (TTM) | 0.83% | 1.14% | U.S. Bancorp |
| Free Cash Flow (TTM) | $89.70M | $7.97B | U.S. Bancorp |
| Dividend Yield | N/A | 3.82% | N/A |
| 1-Year Return | -54.10% | 25.83% | U.S. Bancorp |
| Price-to-Sales Ratio (TTM) | 4.03 | 3.32 | U.S. Bancorp |
| Enterprise Value | $1.48B | $126.46B | U.S. Bancorp |
| EV/Revenue Ratio | 5.91 | 4.75 | U.S. Bancorp |
| Revenue per Share (TTM) | $7 | $17 | U.S. Bancorp |
| Earnings per Share (Diluted) | $1.98 | $4.77 | U.S. Bancorp |
| Beta (Stock Volatility) | 1.22 | 1.03 | U.S. Bancorp |
| Short % of Float | N/A | 0.00% | N/A |
Premier Financial Corp. vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Premier Financial Corp. | 0.00% | N/A | N/A | N/A | N/A | N/A |
| U.S. Bancorp | -2.67% | -1.12% | -1.16% | -0.05% | 9.90% | 1.24% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Premier Financial Corp. | -54.10% | -46.84% | -61.26% | 18.02% | -52.62% | 24.59% |
| U.S. Bancorp | 25.83% | 72.81% | -9.74% | 29.45% | 123.42% | 73.14% |
Performance & Financial Health Analysis: Premier Financial Corp. vs U.S. Bancorp
| Metric | PFC | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $1.01B | $88.06B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 442,672 | 9,829,002 |
| 90 Day Avg. Volume | 297,817 | 10,401,007 |
| Last Close | $28.04 | $53.14 |
| 52 Week Range | $18.63 - $29.64 | $42.55 - $61.19 |
| % from 52W High | -5.40% | -13.16% |
| All-Time High | $42.46 (Nov 30, 2015) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -33.96% | -16.41% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.04% | 0.05% |
| Quarterly Earnings Growth | 0.04% | 0.14% |
| Financial Health | ||
| Profit Margin (TTM) | 0.29% | 0.29% |
| Operating Margin (TTM) | 0.47% | 0.38% |
| Return on Equity (TTM) | 0.07% | 0.12% |
| Debt to Equity (MRQ) | 0.59 | 1.21 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $27.95 | $37.54 |
| Cash per Share (MRQ) | $3.39 | $31.14 |
| Operating Cash Flow (TTM) | $89.51M | $6.04B |
| Levered Free Cash Flow (TTM) | $63.67M | $7.19B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 3.82% |
| Last 12-Month Dividend | N/A | $2.04 |
Valuation & Enterprise Metrics Analysis: Premier Financial Corp. vs U.S. Bancorp
| Metric | PFC (Mar 31, 2025) | USB (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 14.16 | 11.92 |
| Forward P/E | 13.16 | 10.09 |
| PEG Ratio | 13.16 | 0.82 |
| Price to Sales (TTM) | 4.03 | 3.32 |
| Price to Book (MRQ) | 1.00 | 1.51 |
| Market Capitalization | ||
| Market Capitalization | $1.01B | $88.06B |
| Enterprise Value | $1.48B | $126.46B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.91 | 4.75 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.22 | 1.03 |
| Book Value per Share (MRQ) | $27.95 | $37.54 |
Financial Statements Comparison: Premier Financial Corp. 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
| Metric | PFC (2024) | USB (2025) |
|---|---|---|
| Revenue/Sales | 243.59M | 28.54B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 82.32M | 9.52B |
| Pre-Tax Income % of Revenue | 33.8% | 33.3% |
| Income Tax | 18.27M | 1.92B |
| Income Tax % of Revenue | 7.5% | 6.7% |
| Net Income (Profit) | 64.04M | 7.60B |
| Profit Margin | 26.3% | 26.6% |
Balance Sheet & Liquidity Metrics
| Metric | PFC (2024) | USB (2025) |
|---|---|---|
| Cash & Equivalents | 121.49M | 46.89B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 592.36M | 60.76B |
| Long-Term Debt % of Revenue | 243.2% | 212.9% |
| Total Shareholders Equity | 1.00B | 65.65B |
| Retained Earnings | 596.93M | 80.91B |
| Retained Earnings % of Revenue | 245.1% | 283.5% |
| Property, Plant & Equipment | N/A | 1.51B |
Cash Flow Statement Comparison
| Metric | PFC (2024) | USB (2025) |
|---|---|---|
| Operating Cash Flow | 89.51M | 6.04B |
| Operating Cash Flow % of Revenue | 36.7% | 21.2% |
| Capital Expenditures | -2.59M | N/A |
| Free Cash Flow | 89.70M | 7.97B |
| FCF Margin | 36.8% | 27.9% |
| Debt Repayment | N/A | -9.05B |
| Common Stock Repurchase | 0 | -489.00M |
Short Interest & Institutional Ownership Analysis
| Metric | PFC | USB |
|---|---|---|
| Shares Short | N/A | 27,002 |
| Short Ratio | N/A | 0.00 |
| Short % of Float | N/A | 0.00% |
| Shares Outstanding | 35.84M | 1.56B |
| Float Shares | 35.04M | 1.55B |
| % Held by Insiders | 2.44% | 0.14% |
| % Held by Institutions | 70.21% | 83.55% |
| % Held by Public | 27.35% | 16.31% |
Dividend Analysis & Yield Comparison: Premier Financial Corp. vs U.S. Bancorp
| Metric | PFC | USB |
|---|---|---|
| Last 12-Month Dividend | N/A | $2.04 |
| Last 12-Month Dividend Yield | N/A | 3.82% |
| 3-Year Avg Annual Dividend | N/A | $1.98 |
| 3-Year Avg Dividend Yield | N/A | 1.19% |
| 3-Year Total Dividends | N/A | $5.95 |
| Ex-Dividend Date | N/A | Dec 31, 2025 |