U.S. Bancorp (USB)vsWebster Financial Corporation (WBS)
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
WBS
Webster Financial Corporation
$77.57
0.00%
FINANCIAL SERVICES · Cap: $12.57B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 907% more annual revenue ($27.89B vs $2.77B). WBS leads profitability with a 36.8% profit margin vs 30.0%. WBS appears more attractively valued with a PEG of 1.73. USB earns a higher WallStSmart Score of 73/100 (B).
USB
Strong Buy73
out of 100
Grade: B
WBS
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 50.6%
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
2.8% earnings growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bull Case : WBS
The strongest argument for WBS centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.8% and operating margin at 50.6%.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : WBS
The primary concerns for WBS are PEG Ratio, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (73/100 vs 66/100), backed by strong 30.0% 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.
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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