Commerce Bancshares Inc (CBSH)vsU.S. Bancorp (USB)
CBSH
Commerce Bancshares Inc
$58.25
-0.07%
FINANCIAL SERVICES · Cap: $8.36B
USB
U.S. Bancorp
$62.84
+0.69%
FINANCIAL SERVICES · Cap: $97.91B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1381% more annual revenue ($27.32B vs $1.84B). CBSH leads profitability with a 31.6% profit margin vs 29.9%. USB appears more attractively valued with a PEG of 1.88. USB earns a higher WallStSmart Score of 77/100 (B+).
CBSH
Buy65
out of 100
Grade: C+
USB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.1%
Attractively priced relative to earnings
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
Expensive relative to growth rate
1.2% earnings growth
Weak financial health signals
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CBSH
The strongest argument for CBSH centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 31.6% and operating margin at 45.1%. Revenue growth of 14.2% 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 : CBSH
The primary concerns for CBSH are PEG Ratio, EPS Growth, Piotroski F-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 0.97 — expect wider price swings.
CBSH is growing revenue faster at 14.2% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (77/100 vs 65/100), 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.
Commerce Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Commerce Bancshares, Inc. is the banking holding company for Commerce Bank providing retail, mortgage banking, corporate, investment, trust and asset management products and services to individuals and businesses in the United States. The company is headquartered in Kansas City, Missouri.
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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