Camden National Corporation (CAC)vsU.S. Bancorp (USB)
CAC
Camden National Corporation
$58.96
+0.67%
FINANCIAL SERVICES · Cap: $1.00B
USB
U.S. Bancorp
$65.02
+0.23%
FINANCIAL SERVICES · Cap: $100.05B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 10490% more annual revenue ($27.32B vs $257.99M). CAC leads profitability with a 34.4% profit margin vs 29.9%. CAC trades at a lower P/E of 11.5x. USB earns a higher WallStSmart Score of 75/100 (B).
CAC
Strong Buy72
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 47.3%
Earnings expanding 62.7% YoY
Revenue surging 20.5% year-over-year
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
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CAC
The strongest argument for CAC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.4% and operating margin at 47.3%. Revenue growth of 20.5% demonstrates continued momentum.
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 : CAC
The primary concerns for CAC are Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, 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 0.98 — expect wider price swings.
CAC is growing revenue faster at 20.5% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 72/100), backed by strong 29.9% margins and 10.4% 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.
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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