U.S. Bancorp (USB)vsWaFd, Inc. (WAFDP)
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
WAFDP
WaFd, Inc.
$16.19
-0.43%
FINANCIAL SERVICES · Cap: $2.32B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3449% more annual revenue ($26.65B vs $750.81M). WAFDP leads profitability with a 33.6% profit margin vs 29.3%. WAFDP trades at a lower P/E of 5.9x. USB earns a higher WallStSmart Score of 71/100 (B).
USB
Strong Buy71
out of 100
Grade: B
WAFDP
Hold47
out of 100
Grade: D+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.8%
Earnings expanding 26.4% YoY
Areas to Watch
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
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 : WAFDP
The strongest argument for WAFDP centers on P/E Ratio, Price/Book, Profit 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 : WAFDP
The primary concerns for WAFDP are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
USB profiles as a value stock while WAFDP is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
WAFDP 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
USB scores higher overall (71/100 vs 47/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Hold" 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
WaFd, Inc. (WAFDP), headquartered in Seattle, Washington, is a prominent financial institution offering an extensive range of services, including retail and commercial banking, mortgage banking, and wealth management. Known for its customer-centric model, WaFd effectively serves individuals, businesses, and communities across the Western United States, leveraging advanced technology and deep market insights. The company's strong financial profile is marked by resilience in fluctuating economic conditions, supported by a commitment to prudent risk management and active community involvement, positioning WaFd as a dependable partner in promoting sustainable economic growth.
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