General Motors Company (GM)vsU.S. Bancorp (USB)
GM
General Motors Company
$76.61
+0.05%
CONSUMER CYCLICAL · Cap: $71.43B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
General Motors Company generates 602% more annual revenue ($185.02B vs $26.35B). USB leads profitability with a 28.7% profit margin vs 1.5%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
GM
Hold44
out of 100
Grade: D
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-258.9%
Fair Value
$22.24
Current Price
$76.61
$54.37 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
Reasonable price relative to book value
Large-cap with strong market position
Generating 5.7B in free cash flow
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
ROE of 4.3% — below average capital efficiency
1.5% margin — thin
Weak financial health signals
Expensive relative to growth rate
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : GM
The strongest argument for GM centers on Price/Book, Market Cap, Free Cash Flow.
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 : GM
The primary concerns for GM are Return on Equity, Profit Margin, Piotroski F-Score. Thin 1.5% margins leave little buffer for downturns.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
GM profiles as a value stock while USB is a mature play — different risk/reward profiles.
GM carries more volatility with a beta of 1.36 — expect wider price swings.
USB is growing revenue faster at 5.3% — sustainability is the question.
GM generates stronger free cash flow (5.7B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 44/100), 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.
General Motors Company
CONSUMER CYCLICAL · AUTO MANUFACTURERS · USA
General Motors Company (GM) is an American multinational corporation headquartered in Detroit, Michigan that designs, manufactures, markets, and distributes vehicles and vehicle parts, and sells financial services, with global headquarters in Detroit's Renaissance Center.
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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