Foreign Trade Bank of Latin America Inc (BLX)vsU.S. Bancorp (USB)
BLX
Foreign Trade Bank of Latin America Inc
$49.19
-3.36%
FINANCIAL SERVICES · Cap: $1.63B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 8445% more annual revenue ($26.35B vs $308.43M). BLX leads profitability with a 72.1% profit margin vs 28.7%. BLX appears more attractively valued with a PEG of 1.77. USB earns a higher WallStSmart Score of 75/100 (B).
BLX
Buy60
out of 100
Grade: C+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+22.6%
Fair Value
$64.80
Current Price
$49.19
$15.61 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 72 of every $100 in revenue as profit
Strong operational efficiency at 72.5%
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
Expensive relative to growth rate
3.1% revenue growth
2.5% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BLX
The strongest argument for BLX centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 72.1% and operating margin at 72.5%.
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 : BLX
The primary concerns for BLX are PEG Ratio, Revenue Growth, EPS Growth. Debt-to-equity of 2.40 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
BLX 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.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 60/100), backed by strong 28.7% margins. BLX offers better value entry with a 22.6% margin of safety. 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.
Foreign Trade Bank of Latin America Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banco Latinoamericano de Comercio Exterior, SA, a multinational bank, is primarily engaged in financing foreign trade in Latin America and the Caribbean. The company is headquartered in Panama City, the Republic of Panama.
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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