Peoples Bancorp Inc (PEBO)vsU.S. Bancorp (USB)
PEBO
Peoples Bancorp Inc
$39.81
+0.13%
FINANCIAL SERVICES · Cap: $1.43B
USB
U.S. Bancorp
$62.84
+0.69%
FINANCIAL SERVICES · Cap: $97.91B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6187% more annual revenue ($27.32B vs $434.54M). USB leads profitability with a 29.9% profit margin vs 27.2%. PEBO appears more attractively valued with a PEG of 1.45. USB earns a higher WallStSmart Score of 77/100 (B+).
PEBO
Strong Buy74
out of 100
Grade: B
USB
Strong Buy77
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
Strong operational efficiency at 35.7%
Keeps 27 of every $100 in revenue as profit
Earnings expanding 32.2% YoY
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PEBO
The strongest argument for PEBO centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.2% and operating margin at 35.7%. Revenue growth of 10.8% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : PEBO
The primary concerns for PEBO are Market Cap, Piotroski F-Score, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 0.97 — expect wider price swings.
PEBO is growing revenue faster at 10.8% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (77/100 vs 74/100), backed by strong 29.9% margins and 10.4% revenue growth. 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.
Peoples Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Bancorp Inc. is the holding company of Peoples Bank offering commercial and retail banking products and services. The company is headquartered in Marietta, Ohio.
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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