U.S. Bancorp (USB)vsValley National Bancorp (VLY)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
VLY
Valley National Bancorp
$12.27
0.00%
FINANCIAL SERVICES · Cap: $6.84B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1329% more annual revenue ($26.35B vs $1.84B). VLY leads profitability with a 32.4% profit margin vs 28.7%. VLY appears more attractively valued with a PEG of 1.16. VLY earns a higher WallStSmart Score of 84/100 (A-).
USB
Strong Buy75
out of 100
Grade: B
VLY
Exceptional Buy84
out of 100
Grade: A-
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
+71.7%
Fair Value
$47.27
Current Price
$12.27
$35.00 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
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 46.5%
Revenue surging 38.3% year-over-year
Earnings expanding 66.7% YoY
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
ROE of 7.8% — below average capital efficiency
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 : VLY
The strongest argument for VLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.4% and operating margin at 46.5%. Revenue growth of 38.3% demonstrates continued momentum.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : VLY
The primary concerns for VLY are Return on Equity.
Key Dynamics to Monitor
USB profiles as a mature stock while VLY is a growth play — different risk/reward profiles.
VLY carries more volatility with a beta of 1.06 — expect wider price swings.
VLY is growing revenue faster at 38.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
VLY scores higher overall (84/100 vs 75/100), backed by strong 32.4% margins and 38.3% revenue growth. USB offers better value entry with a 75.8% margin of safety. Both earn "Exceptional 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.
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.
Valley National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.
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