U.S. Bancorp (USB)vsWebster Financial Corporation (WBS)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
WBS
Webster Financial Corporation
$69.45
+1.14%
FINANCIAL SERVICES · Cap: $11.20B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 885% more annual revenue ($26.35B vs $2.68B). WBS leads profitability with a 37.5% profit margin vs 28.7%. WBS appears more attractively valued with a PEG of 1.73. WBS earns a higher WallStSmart Score of 76/100 (B+).
USB
Strong Buy75
out of 100
Grade: B
WBS
Strong Buy76
out of 100
Grade: B+
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
+73.8%
Fair Value
$276.12
Current Price
$69.45
$206.67 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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Earnings expanding 52.7% YoY
15.9% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
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 : WBS
The strongest argument for WBS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.5% and operating margin at 46.4%. Revenue growth of 15.9% demonstrates continued momentum.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : WBS
The primary concerns for WBS are PEG Ratio.
Key Dynamics to Monitor
USB profiles as a mature stock while WBS is a growth play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
WBS is growing revenue faster at 15.9% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
WBS scores higher overall (76/100 vs 75/100), backed by strong 37.5% margins and 15.9% revenue growth. USB offers better value entry with a 75.8% margin of safety. 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.
Webster Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Webster Financial Corporation is the banking holding company for Webster Bank, a National Association that provides a variety of banking, investment, and financial services to individuals, families, and businesses in the United States. The company is headquartered in Waterbury, Connecticut.
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