BOK Financial Corporation (BOKF)vsU.S. Bancorp (USB)
BOKF
BOK Financial Corporation
$129.22
+0.44%
FINANCIAL SERVICES · Cap: $8.18B
USB
U.S. Bancorp
$55.69
+0.40%
FINANCIAL SERVICES · Cap: $90.02B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1097% more annual revenue ($26.65B vs $2.23B). USB leads profitability with a 29.3% profit margin vs 27.6%. BOKF appears more attractively valued with a PEG of 1.46. BOKF earns a higher WallStSmart Score of 76/100 (B+).
BOKF
Strong Buy76
out of 100
Grade: B+
USB
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 37.5%
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 38.2% YoY
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Generating 1.3B in free cash flow
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BOKF
The strongest argument for BOKF centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.6% and operating margin at 37.5%. Revenue growth of 10.3% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : BOKF
The primary concerns for BOKF are Debt/Equity, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
BOKF profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.00 — expect wider price swings.
BOKF is growing revenue faster at 10.3% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
BOKF scores higher overall (76/100 vs 69/100), backed by strong 27.6% margins and 10.3% 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.
BOK Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
BOK Financial Corporation is the financial holding company for BOKF, NA offering various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas / Missouri. The company is headquartered in Tulsa, Oklahoma.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?