Peapack-Gladstone Financial (PGC)vsU.S. Bancorp (USB)
PGC
Peapack-Gladstone Financial
$45.91
-0.56%
FINANCIAL SERVICES · Cap: $805.38M
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 9560% more annual revenue ($27.89B vs $288.68M). USB leads profitability with a 30.0% profit margin vs 18.0%. PGC appears more attractively valued with a PEG of 0.64. PGC earns a higher WallStSmart Score of 78/100 (B+).
PGC
Strong Buy78
out of 100
Grade: B+
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 30.5%
Earnings expanding 91.2% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
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
Smaller company, higher risk/reward
ROE of 7.3% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PGC
The strongest argument for PGC centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 18.0% and operating margin at 30.5%. Revenue growth of 23.4% demonstrates continued momentum.
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%.
Bear Case : PGC
The primary concerns for PGC are Market Cap, Return on Equity, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
PGC profiles as a growth 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.
PGC is growing revenue faster at 23.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
PGC scores higher overall (78/100 vs 73/100), backed by strong 18.0% margins and 23.4% 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.
Peapack-Gladstone Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.
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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