WallStSmart

Agilent Technologies Inc (A)vsU.S. Bancorp (USB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U.S. Bancorp generates 277% more annual revenue ($26.65B vs $7.07B). USB leads profitability with a 29.3% profit margin vs 18.3%. A appears more attractively valued with a PEG of 1.23. USB earns a higher WallStSmart Score of 71/100 (B).

A

Buy

61

out of 100

Grade: C+

Growth: 4.0Profit: 8.0Value: 4.7Quality: 5.3
Piotroski: 3/9Altman Z: 1.99

USB

Strong Buy

71

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 6.3Quality: 5.3
Piotroski: 5/9Altman Z: 0.39
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ASignificantly Overvalued (-45.8%)

Margin of Safety

-45.8%

Fair Value

$88.39

Current Price

$115.62

$27.23 premium

UndervaluedFair: $88.39Overvalued

Intrinsic value data unavailable for USB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

A2 strengths · Avg: 8.5/10
Return on EquityProfitability
20.0%9/10

Every $100 of equity generates 20 in profit

Operating MarginProfitability
22.9%8/10

Strong operational efficiency at 22.9%

USB6 strengths · Avg: 9.3/10
P/E RatioValuation
11.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.8%10/10

Strong operational efficiency at 37.8%

Market CapQuality
$85.86B9/10

Large-cap with strong market position

Profit MarginProfitability
29.3%9/10

Keeps 29 of every $100 in revenue as profit

Free Cash FlowQuality
$1.34B8/10

Generating 1.3B in free cash flow

Areas to Watch

A4 concerns · Avg: 3.3/10
P/E RatioValuation
26.2x4/10

Moderate valuation

Altman Z-ScoreHealth
1.994/10

Grey zone — moderate risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-3.6%2/10

Earnings declined 3.6%

USB3 concerns · Avg: 3.3/10
PEG RatioValuation
1.924/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Altman Z-ScoreHealth
0.392/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : A

The strongest argument for A centers on Return on Equity, Operating Margin. Profitability is solid with margins at 18.3% and operating margin at 22.9%. PEG of 1.23 suggests the stock is reasonably priced for its growth.

Bull Case : USB

The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.

Bear Case : A

The primary concerns for A are P/E Ratio, Altman Z-Score, Piotroski F-Score.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

A profiles as a mature stock while USB is a value play — different risk/reward profiles.

A carries more volatility with a beta of 1.22 — expect wider price swings.

A is growing revenue faster at 7.0% — sustainability is the question.

USB generates stronger free cash flow (1.3B), providing more financial flexibility.

Bottom Line

USB scores higher overall (71/100 vs 61/100), backed by strong 29.3% margins. 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.

Agilent Technologies Inc

HEALTHCARE · DIAGNOSTICS & RESEARCH · USA

Agilent Technologies, Inc. is an American analytical instrumentation development and manufacturing company that offers its products and services to markets worldwide. Its global headquarters is located in Santa Clara, California.

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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