U.S. Bancorp (USB)vsVirginia National Bankshares Corp (VABK)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
VABK
Virginia National Bankshares Corp
$38.34
-1.06%
FINANCIAL SERVICES · Cap: $208.98M
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 45760% more annual revenue ($26.35B vs $57.47M). VABK leads profitability with a 33.5% profit margin vs 28.7%. VABK trades at a lower P/E of 10.9x. USB earns a higher WallStSmart Score of 75/100 (B).
USB
Strong Buy75
out of 100
Grade: B
VABK
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Margin of Safety
+75.6%
Fair Value
$166.14
Current Price
$38.34
$127.80 discount
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 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 53.7%
Conservative balance sheet, low leverage
Earnings expanding 29.5% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bull Case : VABK
The strongest argument for VABK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.5% and operating margin at 53.7%.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : VABK
The primary concerns for VABK are Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
VABK is growing revenue faster at 6.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 61/100), backed by strong 28.7% margins. VABK offers better value entry with a 75.6% margin of safety. 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.
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.
Virginia National Bankshares Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Virginia National Bankshares Corporation is the holding company of Virginia National Bank providing a range of commercial banking services. The company is headquartered in Charlottesville, Virginia.
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