Camden National Corporation (CAC)vsU.S. Bancorp (USB)
CAC
Camden National Corporation
$46.74
+0.38%
FINANCIAL SERVICES · Cap: $766.04M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 11187% more annual revenue ($26.35B vs $233.49M). USB leads profitability with a 28.7% profit margin vs 27.9%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
CAC
Strong Buy74
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.4%
Fair Value
$179.71
Current Price
$46.74
$132.97 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 47.5%
Revenue surging 39.2% year-over-year
Keeps 28 of every $100 in revenue as profit
Earnings expanding 33.8% 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
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CAC
The strongest argument for CAC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.9% and operating margin at 47.5%. Revenue growth of 39.2% demonstrates continued momentum.
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 : CAC
The primary concerns for CAC are Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CAC profiles as a growth 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.
CAC is growing revenue faster at 39.2% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 74/100), backed by strong 28.7% margins. CAC offers better value entry with a 72.4% 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.
Camden National Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Camden National Corporation is the banking holding company for Camden National Bank offering commercial and consumer banking products and services to consumer, institutional, municipal, non-profit and commercial clients. The company is headquartered in Camden, Maine.
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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