U.S. Bancorp (USB)vsWaFd, Inc. (WAFD)
USB
U.S. Bancorp
$55.69
+0.10%
FINANCIAL SERVICES · Cap: $90.02B
WAFD
WaFd, Inc.
$36.80
0.00%
FINANCIAL SERVICES · Cap: $2.74B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3449% more annual revenue ($26.65B vs $750.81M). WAFD leads profitability with a 33.6% profit margin vs 29.3%. WAFD appears more attractively valued with a PEG of 1.85. WAFD earns a higher WallStSmart Score of 71/100 (B).
USB
Strong Buy69
out of 100
Grade: B-
WAFD
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Generating 1.3B in free cash flow
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.8%
Attractively priced relative to earnings
Earnings expanding 26.4% YoY
Areas to Watch
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : USB
The strongest argument for USB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bull Case : WAFD
The strongest argument for WAFD centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.6% and operating margin at 45.8%.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : WAFD
The primary concerns for WAFD are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
USB profiles as a value stock while WAFD is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.00 — expect wider price swings.
WAFD is growing revenue faster at 9.2% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
WAFD scores higher overall (71/100 vs 69/100), backed by strong 33.6% margins. Both earn "Strong 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.
WaFd, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Federal, Inc. is the banking holding company for Washington Federal Bank, a National Association that provides loans, deposits, insurance, and other banking services in the United States. The company is headquartered in Seattle, Washington.
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