Central Pacific Financial Corp (CPF)vsU.S. Bancorp (USB)
CPF
Central Pacific Financial Corp
$35.19
+1.18%
FINANCIAL SERVICES · Cap: $926.86M
USB
U.S. Bancorp
$55.69
+0.40%
FINANCIAL SERVICES · Cap: $90.02B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 9318% more annual revenue ($26.65B vs $282.94M). USB leads profitability with a 29.3% profit margin vs 28.4%. CPF appears more attractively valued with a PEG of 1.97. CPF earns a higher WallStSmart Score of 72/100 (B).
CPF
Strong Buy72
out of 100
Grade: B
USB
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Strong operational efficiency at 38.1%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 20.0% YoY
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
Attractively priced relative to earnings
Generating 1.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CPF
The strongest argument for CPF centers on P/E Ratio, Operating Margin, Profit Margin. Profitability is solid with margins at 28.4% and operating margin at 38.1%.
Bull Case : USB
The strongest argument for USB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : CPF
The primary concerns for CPF are PEG Ratio, Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
CPF profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.00 — expect wider price swings.
CPF is growing revenue faster at 9.2% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
CPF scores higher overall (72/100 vs 69/100), backed by strong 28.4% margins. 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.
Central Pacific Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Central Pacific Financial Corp. The company is headquartered in Honolulu, Hawaii.
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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