Popular Inc (BPOP)vsU.S. Bancorp (USB)
BPOP
Popular Inc
$133.43
+0.26%
FINANCIAL SERVICES · Cap: $8.90B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 797% more annual revenue ($26.35B vs $2.94B). USB leads profitability with a 28.7% profit margin vs 28.3%. BPOP appears more attractively valued with a PEG of 1.37. BPOP earns a higher WallStSmart Score of 77/100 (B+).
BPOP
Strong Buy77
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.7%
Fair Value
$575.64
Current Price
$133.43
$442.21 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
Strong operational efficiency at 36.0%
Keeps 28 of every $100 in revenue as profit
Earnings expanding 40.8% YoY
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
No major concerns identified
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BPOP
The strongest argument for BPOP centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.3% and operating margin at 36.0%. 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, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : BPOP
No major red flags identified for BPOP, but monitor valuation.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
BPOP is growing revenue faster at 9.1% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BPOP scores higher overall (77/100 vs 75/100), backed by strong 28.3% margins. USB offers better value entry with a 75.8% margin of safety. 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.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?