Carrier Global Corp (CARR)vsU.S. Bancorp (USB)
CARR
Carrier Global Corp
$67.90
+5.80%
INDUSTRIALS · Cap: $56.16B
USB
U.S. Bancorp
$56.16
+1.01%
FINANCIAL SERVICES · Cap: $87.55B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 22% more annual revenue ($26.65B vs $21.87B). USB leads profitability with a 29.3% profit margin vs 6.0%. CARR appears more attractively valued with a PEG of 1.62. USB earns a higher WallStSmart Score of 71/100 (B).
CARR
Hold43
out of 100
Grade: D
USB
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-12.5%
Fair Value
$59.64
Current Price
$67.90
$8.26 premium
Intrinsic value data unavailable for USB.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
2.4% revenue growth
Distress zone — elevated risk
6.0% margin — thin
Expensive relative to growth rate
4.6% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CARR
The strongest argument for CARR centers on Market Cap.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : CARR
The primary concerns for CARR are PEG Ratio, Revenue Growth, Altman Z-Score. A P/E of 45.1x leaves little room for execution misses.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
CARR carries more volatility with a beta of 1.32 — expect wider price swings.
USB is growing revenue faster at 4.6% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Monitor BUILDING PRODUCTS & EQUIPMENT industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (71/100 vs 43/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Carrier Global Corp
INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA
Carrier Global Corporation is an American multinational home appliances corporation based in Palm Beach Gardens, Florida.
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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