Popular Inc (BPOP)vsU.S. Bancorp (USB)
BPOP
Popular Inc
$175.13
+1.69%
FINANCIAL SERVICES · Cap: $11.08B
USB
U.S. Bancorp
$62.82
+0.13%
FINANCIAL SERVICES · Cap: $100.43B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 809% more annual revenue ($27.32B vs $3.01B). BPOP leads profitability with a 30.0% profit margin vs 29.9%. BPOP appears more attractively valued with a PEG of 1.37. BPOP earns a higher WallStSmart Score of 79/100 (B+).
BPOP
Strong Buy79
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 39.3%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 47.8% YoY
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
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 Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 30.0% and operating margin at 39.3%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
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 0.98 — expect wider price swings.
USB is growing revenue faster at 10.4% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BPOP scores higher overall (79/100 vs 75/100), backed by strong 30.0% 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.
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?