BankUnited Inc (BKU)vsU.S. Bancorp (USB)
BKU
BankUnited Inc
$45.35
+1.55%
FINANCIAL SERVICES · Cap: $3.36B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2470% more annual revenue ($26.35B vs $1.03B). USB leads profitability with a 28.7% profit margin vs 26.2%. BKU appears more attractively valued with a PEG of 0.27. USB earns a higher WallStSmart Score of 75/100 (B).
BKU
Strong Buy65
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-104.8%
Fair Value
$24.07
Current Price
$45.35
$21.28 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
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 36.6%
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
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
3.6% revenue growth
Earnings declined 1.7%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BKU
The strongest argument for BKU centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.2% and operating margin at 36.6%. PEG of 0.27 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 28.7% and operating margin at 39.3%.
Bear Case : BKU
The primary concerns for BKU are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
BKU profiles as a value stock while USB is a mature play — different risk/reward profiles.
BKU carries more volatility with a beta of 1.28 — expect wider price swings.
USB is growing revenue faster at 5.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 65/100), backed by strong 28.7% margins. 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.
BankUnited Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
BankUnited, Inc. is the banking holding company for BankUnited, a national banking association offering a range of banking services in the United States. The company is headquartered in Miami Lakes, Florida.
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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