Inter & Co. Inc. Class A Common Shares (INTR)vsU.S. Bancorp (USB)
INTR
Inter & Co. Inc. Class A Common Shares
$8.54
+1.30%
FINANCIAL SERVICES · Cap: $3.72B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 340% more annual revenue ($26.35B vs $5.98B). USB leads profitability with a 28.7% profit margin vs 21.9%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
INTR
Strong Buy73
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+65.7%
Fair Value
$26.21
Current Price
$8.54
$17.67 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
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 28.1%
Revenue surging 26.4% year-over-year
Earnings expanding 35.5% 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
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : INTR
The strongest argument for INTR centers on Profit Margin, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 28.1%. Revenue growth of 26.4% 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 : INTR
The primary concerns for INTR are Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
INTR profiles as a growth stock while USB is a mature play — different risk/reward profiles.
INTR carries more volatility with a beta of 1.20 — expect wider price swings.
INTR is growing revenue faster at 26.4% — 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 73/100), backed by strong 28.7% margins. INTR offers better value entry with a 65.7% 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.
Inter & Co. Inc. Class A Common Shares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Inter & Co. Inc. (ticker: INTR) is a prominent financial institution in Brazil, specializing in retail banking, investment management, and comprehensive wealth management services. The company is recognized for its commitment to financial inclusion and leveraging advanced technology to enhance customer experience, which significantly boosts access to banking services across diverse demographics. With a strategic focus on digital transformation, Inter & Co. is well-positioned to capitalize on the growth opportunities within Brazil’s evolving financial sector, making it a compelling investment prospect for both retail and institutional investors in emerging markets.
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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