Tompkins Financial Corporation (TMP)vsU.S. Bancorp (USB)
TMP
Tompkins Financial Corporation
$98.83
+0.54%
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 6017% more annual revenue ($27.32B vs $446.61M). TMP leads profitability with a 39.3% profit margin vs 29.9%. TMP appears more attractively valued with a PEG of 1.61. TMP earns a higher WallStSmart Score of 78/100 (B+).
TMP
Strong Buy78
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
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 45.0%
Earnings expanding 36.0% 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
Expensive relative to growth rate
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : TMP
The strongest argument for TMP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 39.3% and operating margin at 45.0%.
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 : TMP
The primary concerns for TMP are PEG Ratio, Market Cap, Free Cash Flow.
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.
USB is growing revenue faster at 10.4% — 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
TMP scores higher overall (78/100 vs 77/100), backed by strong 39.3% 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.
Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
Visit Website →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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