Atlantic Union Bankshares Corp (AUB)vsU.S. Bancorp (USB)
AUB
Atlantic Union Bankshares Corp
$35.33
+1.12%
FINANCIAL SERVICES · Cap: $4.98B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2038% more annual revenue ($26.35B vs $1.23B). USB leads profitability with a 28.7% profit margin vs 22.2%. AUB appears more attractively valued with a PEG of 1.09. AUB earns a higher WallStSmart Score of 79/100 (B+).
AUB
Strong Buy79
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+56.8%
Fair Value
$95.00
Current Price
$35.33
$59.67 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 53.4%
Revenue surging 91.5% year-over-year
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 29.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
ROE of 6.7% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AUB
The strongest argument for AUB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 22.2% and operating margin at 53.4%. Revenue growth of 91.5% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : AUB
The primary concerns for AUB are Return on Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AUB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
AUB is growing revenue faster at 91.5% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
AUB scores higher overall (79/100 vs 75/100), backed by strong 22.2% margins and 91.5% revenue growth. USB offers better value entry with a 75.8% margin of safety. 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.
Atlantic Union Bankshares Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Atlantic Union Bankshares Corporation is the holding company of Atlantic Union Bank providing related banking and financial services to consumers and businesses. The company is headquartered in Richmond, Virginia.
Visit Website →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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