U.S. Bancorp (USB)vsWestamerica Bancorporation (WABC)
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
WABC
Westamerica Bancorporation
$56.58
+0.46%
FINANCIAL SERVICES · Cap: $1.30B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 10394% more annual revenue ($26.65B vs $253.92M). WABC leads profitability with a 44.3% profit margin vs 29.3%. USB appears more attractively valued with a PEG of 1.83. USB earns a higher WallStSmart Score of 71/100 (B).
USB
Strong Buy71
out of 100
Grade: B
WABC
Buy53
out of 100
Grade: C-
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 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 60.2%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 6.7%
Earnings declined 3.0%
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 29.3% and operating margin at 37.8%.
Bull Case : WABC
The strongest argument for WABC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 44.3% and operating margin at 60.2%.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : WABC
The primary concerns for WABC are Market Cap, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
USB profiles as a value stock while WABC is a declining play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 4.6% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 53/100), 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.
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.
Westamerica Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?