Fifth Third Bancorp (FITBI)vsU.S. Bancorp (USB)
FITBI
Fifth Third Bancorp
$25.69
0.00%
FINANCIAL SERVICES · Cap: $17.72B
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 243% more annual revenue ($27.89B vs $8.13B). USB leads profitability with a 30.0% profit margin vs 28.4%. FITBI trades at a lower P/E of 7.4x. USB earns a higher WallStSmart Score of 73/100 (B).
FITBI
Hold43
out of 100
Grade: D
USB
Strong Buy73
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
Strong operational efficiency at 38.5%
Keeps 28 of every $100 in revenue as profit
Generating 2.6B in free cash flow
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
ROE of 6.8% — below average capital efficiency
Revenue declined 1.0%
Earnings declined 1.2%
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FITBI
The strongest argument for FITBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.4% and operating margin at 38.5%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : FITBI
The primary concerns for FITBI are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FITBI profiles as a declining stock while USB is a mature play — different risk/reward profiles.
FITBI carries more volatility with a beta of 1.26 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (73/100 vs 43/100), backed by strong 30.0% 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.
Fifth Third Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Fifth Third Bancorp is a diversified financial services company based in Cincinnati, Ohio, and the indirect parent company of Fifth Third Bank, National Association, a federally chartered institution.
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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