Popular Inc (BPOP)vsU.S. Bancorp (USB)
BPOP
Popular Inc
$157.88
-0.82%
FINANCIAL SERVICES · Cap: $10.13B
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 811% more annual revenue ($27.89B vs $3.06B). BPOP leads profitability with a 31.7% profit margin vs 30.0%. BPOP appears more attractively valued with a PEG of 1.37. BPOP earns a higher WallStSmart Score of 81/100 (A-).
BPOP
Exceptional Buy81
out of 100
Grade: A-
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.0%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 40.9% YoY
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BPOP
The strongest argument for BPOP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 31.7% and operating margin at 41.0%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : BPOP
The primary concerns for BPOP are Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BPOP scores higher overall (81/100 vs 73/100), backed by strong 31.7% margins. Both earn "Exceptional 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.
Popular Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Popular, Inc., offers various retail, mortgage and commercial banking products and services in Puerto Rico and the United States. The company is headquartered in Hato Rey, Puerto Rico.
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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