National Bank Holdings Corporation (NBHC)vsU.S. Bancorp (USB)
NBHC
National Bank Holdings Corporation
$42.85
+0.09%
FINANCIAL SERVICES · Cap: $1.92B
USB
U.S. Bancorp
$55.53
+0.40%
FINANCIAL SERVICES · Cap: $85.86B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6109% more annual revenue ($26.65B vs $429.18M). USB leads profitability with a 29.3% profit margin vs 24.7%. NBHC appears more attractively valued with a PEG of 1.57. USB earns a higher WallStSmart Score of 71/100 (B).
NBHC
Buy63
out of 100
Grade: C+
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 33.7% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 23.1%
Attractively priced relative to earnings
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
Generating 1.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 7.1% — below average capital efficiency
Earnings declined 27.0%
Expensive relative to growth rate
4.6% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NBHC
The strongest argument for NBHC centers on Price/Book, Revenue Growth, Profit Margin. Profitability is solid with margins at 24.7% and operating margin at 23.1%. Revenue growth of 33.7% 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 29.3% and operating margin at 37.8%.
Bear Case : NBHC
The primary concerns for NBHC are PEG Ratio, Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
NBHC profiles as a growth stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
NBHC is growing revenue faster at 33.7% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (71/100 vs 63/100), 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.
National Bank Holdings Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
National Bank Holdings Corporation is the banking holding company for NBH Bank offering various banking products and financial services to commercial, commercial and consumer clients in the United States. The company is headquartered in Greenwood Village, Colorado.
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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