Provident Financial Holdings Inc (PROV)vsU.S. Bancorp (USB)
PROV
Provident Financial Holdings Inc
$16.92
+0.12%
FINANCIAL SERVICES · Cap: $106.69M
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 67182% more annual revenue ($26.65B vs $39.60M). USB leads profitability with a 29.3% profit margin vs 15.4%. USB appears more attractively valued with a PEG of 1.83. USB earns a higher WallStSmart Score of 71/100 (B).
PROV
Hold47
out of 100
Grade: D+
USB
Strong Buy71
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 21.6%
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
ROE of 4.8% — below average capital efficiency
Elevated debt levels
Expensive relative to growth rate
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PROV
The strongest argument for PROV centers on Price/Book, Operating Margin. Profitability is solid with margins at 15.4% and operating margin at 21.6%.
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 : PROV
The primary concerns for PROV are Market Cap, Return on Equity, Debt/Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
PROV profiles as a declining 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.
USB is growing revenue faster at 4.6% — 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 47/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Provident Financial Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Holdings, Inc. is the parent company of Provident Savings Bank, FSB providing community banking services to consumers and small and medium-sized businesses in the Inland Empire region of Southern California. The company is headquartered in Riverside, California.
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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