WallStSmart

T-Mobile US Inc (TMUS)vsU.S. Bancorp (USB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

T-Mobile US Inc generates 240% more annual revenue ($90.53B vs $26.65B). USB leads profitability with a 29.3% profit margin vs 11.7%. TMUS appears more attractively valued with a PEG of 0.77. USB earns a higher WallStSmart Score of 71/100 (B).

TMUS

Buy

62

out of 100

Grade: C+

Growth: 4.0Profit: 7.0Value: 5.3Quality: 4.0
Piotroski: 4/9Altman Z: 1.06

USB

Strong Buy

71

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 6.3Quality: 5.3
Piotroski: 5/9Altman Z: 0.39
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TMUSSignificantly Overvalued (-65.0%)

Margin of Safety

-65.0%

Fair Value

$134.49

Current Price

$193.63

$59.14 premium

UndervaluedFair: $134.49Overvalued

Intrinsic value data unavailable for USB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TMUS4 strengths · Avg: 8.5/10
Market CapQuality
$210.16B10/10

Mega-cap, among the largest globally

PEG RatioValuation
0.778/10

Growing faster than its price suggests

Operating MarginProfitability
21.5%8/10

Strong operational efficiency at 21.5%

Free Cash FlowQuality
$4.60B8/10

Generating 4.6B in free cash flow

USB6 strengths · Avg: 9.3/10
P/E RatioValuation
11.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.8%10/10

Strong operational efficiency at 37.8%

Market CapQuality
$85.86B9/10

Large-cap with strong market position

Profit MarginProfitability
29.3%9/10

Keeps 29 of every $100 in revenue as profit

Free Cash FlowQuality
$1.34B8/10

Generating 1.3B in free cash flow

Areas to Watch

TMUS3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.993/10

Elevated debt levels

EPS GrowthGrowth
-12.0%2/10

Earnings declined 12.0%

Altman Z-ScoreHealth
1.062/10

Distress zone — elevated risk

USB3 concerns · Avg: 3.3/10
PEG RatioValuation
1.924/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Altman Z-ScoreHealth
0.392/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : TMUS

The strongest argument for TMUS centers on Market Cap, PEG Ratio, Operating Margin. Revenue growth of 10.6% demonstrates continued momentum. PEG of 0.77 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 : TMUS

The primary concerns for TMUS are Debt/Equity, EPS Growth, Altman Z-Score. Debt-to-equity of 1.99 is elevated, increasing financial risk.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

USB carries more volatility with a beta of 1.02 — expect wider price swings.

TMUS is growing revenue faster at 10.6% — sustainability is the question.

TMUS generates stronger free cash flow (4.6B), providing more financial flexibility.

Monitor TELECOM SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

USB scores higher overall (71/100 vs 62/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "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.

T-Mobile US Inc

COMMUNICATION SERVICES · TELECOM SERVICES · USA

T-Mobile US, Inc., doing business under the global brand name T-Mobile, is an American wireless network operator. Its headquarters are located in Bellevue, Washington, in the Seattle metropolitan area and Overland Park, Kansas, in the Kansas City metropolitan area.

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.

Want to dig deeper into these stocks?