U.S. Bancorp (USB)vsWestern New England Bancorp Inc (WNEB)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
WNEB
Western New England Bancorp Inc
$12.85
-0.46%
FINANCIAL SERVICES · Cap: $264.55M
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 31930% more annual revenue ($26.35B vs $82.28M). USB leads profitability with a 28.7% profit margin vs 18.6%. WNEB appears more attractively valued with a PEG of 1.58. USB earns a higher WallStSmart Score of 75/100 (B).
USB
Strong Buy75
out of 100
Grade: B
WNEB
Strong Buy69
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
+60.2%
Fair Value
$35.10
Current Price
$12.85
$22.25 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
Reasonable price relative to book value
Strong operational efficiency at 31.2%
Earnings expanding 56.7% YoY
Attractively priced relative to earnings
16.6% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 6.3% — below average capital efficiency
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 : WNEB
The strongest argument for WNEB centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 18.6% and operating margin at 31.2%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : WNEB
The primary concerns for WNEB are PEG Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
USB profiles as a mature stock while WNEB is a growth play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
WNEB is growing revenue faster at 16.6% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 69/100), backed by strong 28.7% margins. WNEB offers better value entry with a 60.2% 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.
Western New England Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Western New England Bancorp, Inc. is the Westfield Bank holding company offering a range of commercial and retail banking products and services to individuals and businesses. The company is headquartered in Westfield, Massachusetts.
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