Huntington Bancshares Incorporated (HBAN)vsU.S. Bancorp (USB)
HBAN
Huntington Bancshares Incorporated
$15.47
-0.90%
FINANCIAL SERVICES · Cap: $31.72B
USB
U.S. Bancorp
$59.75
-0.50%
FINANCIAL SERVICES · Cap: $92.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 184% more annual revenue ($27.89B vs $9.83B). USB leads profitability with a 30.0% profit margin vs 25.3%. USB appears more attractively valued with a PEG of 1.44. USB earns a higher WallStSmart Score of 75/100 (B).
HBAN
Strong Buy71
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 39.8%
Revenue surging 32.4% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Generating 1.0B 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
Expensive relative to growth rate
ROE of 7.7% — below average capital efficiency
Earnings declined 19.5%
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HBAN
The strongest argument for HBAN centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.3% and operating margin at 39.8%. Revenue growth of 32.4% demonstrates continued momentum.
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%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : HBAN
The primary concerns for HBAN are PEG Ratio, Return on Equity, EPS Growth.
Bear Case : USB
The primary concerns for USB are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
HBAN profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
HBAN is growing revenue faster at 32.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 71/100), backed by strong 30.0% 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.
Huntington Bancshares Incorporated
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Huntington Bancshares Incorporated is a bank holding company headquartered in Columbus, Ohio.
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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