U.S. Bancorp (USB)vsWestinghouse Air Brake Technologies Corp (WAB)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
WAB
Westinghouse Air Brake Technologies Corp
$248.32
+1.10%
INDUSTRIALS · Cap: $41.99B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 136% more annual revenue ($26.35B vs $11.17B). USB leads profitability with a 28.7% profit margin vs 10.5%. WAB appears more attractively valued with a PEG of 1.37. USB earns a higher WallStSmart Score of 75/100 (B).
USB
Strong Buy75
out of 100
Grade: B
WAB
Buy58
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
-447.9%
Fair Value
$46.44
Current Price
$248.32
$201.88 premium
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
No standout strengths identified
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Premium valuation, high expectations priced in
Distress zone — elevated risk
Weak financial health signals
Earnings declined 3.8%
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 : WAB
Revenue growth of 14.8% demonstrates continued momentum. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : WAB
The primary concerns for WAB are P/E Ratio, Altman Z-Score, Piotroski F-Score.
Key Dynamics to Monitor
USB profiles as a mature stock while WAB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
WAB is growing revenue faster at 14.8% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 58/100), backed by strong 28.7% 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.
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.
Westinghouse Air Brake Technologies Corp
INDUSTRIALS · RAILROADS · USA
Wabtec Corporation (derived from Westinghouse Air Brake Technologies Corporation) is an American company formed by the merger of the Westinghouse Air Brake Company (WABCO) and MotivePower Industries Corporation in 1999. It is headquartered in Pittsburgh, Pennsylvania.
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