Associated Banc-Corp (ASB)vsU.S. Bancorp (USB)
ASB
Associated Banc-Corp
$31.28
+0.39%
FINANCIAL SERVICES · Cap: $5.83B
USB
U.S. Bancorp
$63.94
+0.20%
FINANCIAL SERVICES · Cap: $100.05B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1656% more annual revenue ($27.32B vs $1.56B). ASB leads profitability with a 32.5% profit margin vs 29.9%. ASB appears more attractively valued with a PEG of 1.78. USB earns a higher WallStSmart Score of 75/100 (B).
ASB
Strong Buy67
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 41.3%
Revenue surging 23.5% year-over-year
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
Expensive relative to growth rate
Elevated debt levels
Earnings declined 3.1%
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ASB
The strongest argument for ASB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.5% and operating margin at 41.3%. Revenue growth of 23.5% 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 : ASB
The primary concerns for ASB are PEG Ratio, Debt/Equity, EPS Growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
ASB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.98 — expect wider price swings.
ASB is growing revenue faster at 23.5% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 67/100), backed by strong 29.9% margins and 10.4% revenue growth. 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.
Associated Banc-Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Associated Banc-Corp, a bank holding company, offers a variety of banking and non-banking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. The company is headquartered in Green Bay, Wisconsin.
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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