Fifth Third Bancorp (FITBI)vsU.S. Bancorp (USB)
FITBI
Fifth Third Bancorp
$25.67
+0.08%
FINANCIAL SERVICES · Cap: $17.92B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 224% more annual revenue ($26.35B vs $8.13B). USB leads profitability with a 28.7% profit margin vs 28.4%. FITBI trades at a lower P/E of 7.4x. USB earns a higher WallStSmart Score of 75/100 (B).
FITBI
Hold43
out of 100
Grade: D
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-8.4%
Fair Value
$23.68
Current Price
$25.67
$1.99 premium
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Revenue declined 1.0%
Earnings declined 1.2%
Distress zone — elevated risk
Expensive relative to growth rate
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, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : FITBI
The primary concerns for FITBI are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, 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 5.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 43/100), backed by strong 28.7% 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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?