Old National Bancorp (ONB)vsU.S. Bancorp (USB)
ONB
Old National Bancorp
$21.77
+0.23%
FINANCIAL SERVICES · Cap: $8.48B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1046% more annual revenue ($26.35B vs $2.30B). ONB leads profitability with a 29.1% profit margin vs 28.7%. ONB appears more attractively valued with a PEG of 1.59. USB earns a higher WallStSmart Score of 75/100 (B).
ONB
Strong Buy75
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+59.4%
Fair Value
$61.43
Current Price
$21.77
$39.66 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
Reasonable price relative to book value
Strong operational efficiency at 47.6%
Revenue surging 41.4% year-over-year
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
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
Expensive relative to growth rate
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ONB
The strongest argument for ONB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 29.1% and operating margin at 47.6%. Revenue growth of 41.4% 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 : ONB
The primary concerns for ONB are PEG Ratio, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ONB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
ONB is growing revenue faster at 41.4% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
ONB scores higher overall (75/100 vs 75/100), backed by strong 29.1% margins and 41.4% revenue growth. USB offers better value entry with a 75.8% 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.
Old National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old National Bancorp is the banking holding company for Old National Bank providing various financial services to individual and business clients in the United States. The company is headquartered in Evansville, Indiana.
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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