M&T Bank Corporation (MTB)vsU.S. Bancorp (USB)
MTB
M&T Bank Corporation
$219.78
-2.16%
FINANCIAL SERVICES · Cap: $31.64B
USB
U.S. Bancorp
$59.75
-0.50%
FINANCIAL SERVICES · Cap: $92.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 195% more annual revenue ($27.89B vs $9.46B). MTB leads profitability with a 31.9% profit margin vs 30.0%. MTB appears more attractively valued with a PEG of 1.31. USB earns a higher WallStSmart Score of 75/100 (B).
MTB
Strong Buy69
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 43.1%
Generating 1.2B 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
0.5% revenue growth
4.6% earnings growth
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MTB
The strongest argument for MTB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.9% and operating margin at 43.1%. PEG of 1.31 suggests the stock is reasonably priced for its growth.
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 : MTB
The primary concerns for MTB are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
MTB profiles as a value 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.
USB is growing revenue faster at 8.4% — 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 69/100), 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.
M&T Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.
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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