BBVA Banco Frances SA ADR (BBAR)vsU.S. Bancorp (USB)
BBAR
BBVA Banco Frances SA ADR
$14.62
+4.06%
FINANCIAL SERVICES · Cap: $4.60B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
BBVA Banco Frances SA ADR generates 7883% more annual revenue ($2.10T vs $26.35B). USB leads profitability with a 28.7% profit margin vs 8.5%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
BBAR
Hold40
out of 100
Grade: D
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-324.3%
Fair Value
$4.28
Current Price
$14.62
$10.34 premium
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
Generating 396.2B in free cash flow
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
Premium valuation, high expectations priced in
ROE of 7.2% — below average capital efficiency
Expensive relative to growth rate
Revenue declined 17.7%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BBAR
The strongest argument for BBAR centers on Free Cash Flow.
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 : BBAR
The primary concerns for BBAR are P/E Ratio, Return on Equity, PEG Ratio.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
BBAR profiles as a value 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.
USB is growing revenue faster at 5.3% — sustainability is the question.
BBAR generates stronger free cash flow (396.2B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 40/100), backed by strong 28.7% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
BBVA Banco Frances SA ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banco BBVA Argentina SA offers various banking products and services to individuals and companies in Argentina. The company is headquartered in Buenos Aires, Argentina.
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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