Johnson Controls International PLC (JCI)vsU.S. Bancorp (USB)
JCI
Johnson Controls International PLC
$147.40
+0.84%
INDUSTRIALS · Cap: $89.11B
USB
U.S. Bancorp
$55.69
+0.40%
FINANCIAL SERVICES · Cap: $90.02B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 9% more annual revenue ($26.65B vs $24.43B). USB leads profitability with a 29.3% profit margin vs 14.4%. JCI appears more attractively valued with a PEG of 1.98. USB earns a higher WallStSmart Score of 69/100 (B-).
JCI
Buy59
out of 100
Grade: C
USB
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Every $100 of equity generates 26 in profit
Earnings expanding 38.9% YoY
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Generating 1.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : JCI
The strongest argument for JCI centers on Market Cap, Return on Equity, EPS Growth.
Bull Case : USB
The strongest argument for USB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : JCI
The primary concerns for JCI are PEG Ratio, P/E Ratio, Altman Z-Score. A P/E of 44.7x leaves little room for execution misses.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
JCI carries more volatility with a beta of 1.34 — expect wider price swings.
JCI is growing revenue faster at 8.2% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Monitor BUILDING PRODUCTS & EQUIPMENT industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (69/100 vs 59/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "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.
Johnson Controls International PLC
INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA
Johnson Controls International plc is an Irish-domiciled multinational conglomerate headquartered in Cork, Ireland, that produces fire, HVAC, and security equipment for buildings.
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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