German American Bancorp Inc (GABC)vsU.S. Bancorp (USB)
GABC
German American Bancorp Inc
$41.23
-0.22%
FINANCIAL SERVICES · Cap: $1.55B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 7605% more annual revenue ($26.35B vs $342.02M). GABC leads profitability with a 32.9% profit margin vs 28.7%. GABC appears more attractively valued with a PEG of 1.46. GABC earns a higher WallStSmart Score of 76/100 (B+).
GABC
Strong Buy76
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+66.0%
Fair Value
$126.64
Current Price
$41.23
$85.41 discount
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
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 47.4%
Revenue surging 45.3% year-over-year
Attractively priced relative to earnings
Earnings expanding 21.7% YoY
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
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : GABC
The strongest argument for GABC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.9% and operating margin at 47.4%. Revenue growth of 45.3% demonstrates continued momentum.
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 : GABC
The primary concerns for GABC are Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
GABC profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
GABC is growing revenue faster at 45.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
GABC scores higher overall (76/100 vs 75/100), backed by strong 32.9% margins and 45.3% revenue growth. USB offers better value entry with a 75.8% margin of safety. 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.
German American Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
German American Bancorp, Inc. is the banking holding company of German American Bank providing retail and commercial banking services. The company is headquartered in Jasper, Indiana.
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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