Peoples Bancorp Inc (PEBO)vsU.S. Bancorp (USB)
PEBO
Peoples Bancorp Inc
$35.14
+0.29%
FINANCIAL SERVICES · Cap: $1.24B
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6185% more annual revenue ($26.65B vs $423.96M). USB leads profitability with a 29.3% profit margin vs 26.3%. PEBO appears more attractively valued with a PEG of 1.45. USB earns a higher WallStSmart Score of 71/100 (B).
PEBO
Strong Buy68
out of 100
Grade: B-
USB
Strong Buy71
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 37.1%
Keeps 26 of every $100 in revenue as profit
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
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
4.6% revenue growth
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 26.3% and operating margin at 37.1%. PEG of 1.45 suggests the stock is reasonably priced for its growth.
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 : PEBO
The primary concerns for PEBO are Market Cap, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
PEBO profiles as a mature 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.
PEBO is growing revenue faster at 6.7% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 68/100), backed by strong 29.3% 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.
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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