Meta Financial Group Inc (CASH)vsU.S. Bancorp (USB)
CASH
Meta Financial Group Inc
$81.46
-0.05%
FINANCIAL SERVICES · Cap: $1.70B
USB
U.S. Bancorp
$62.47
-1.42%
FINANCIAL SERVICES · Cap: $97.33B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3533% more annual revenue ($27.32B vs $752.03M). USB leads profitability with a 29.9% profit margin vs 23.4%. CASH appears more attractively valued with a PEG of 0.20. USB earns a higher WallStSmart Score of 75/100 (B).
CASH
Buy63
out of 100
Grade: C+
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
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
Revenue declined 13.5%
Earnings declined 24.7%
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CASH
The strongest argument for CASH centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 23.4% and operating margin at 20.5%. PEG of 0.20 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 : CASH
The primary concerns for CASH are Market Cap, Revenue Growth, EPS Growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
CASH profiles as a declining 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.
USB is growing revenue faster at 10.4% — 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 63/100), backed by strong 29.9% margins and 10.4% revenue growth. Both earn "Strong Buy" and "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.
Meta Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Meta Financial Group, Inc. is the holding company of MetaBank offering various banking products and services in the United States. The company is headquartered in Sioux Falls, South Dakota.
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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