U.S. Bancorp (USB)vsWesBanco Inc (WSBC)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
WSBC
WesBanco Inc
$33.87
0.00%
FINANCIAL SERVICES · Cap: $3.26B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2816% more annual revenue ($26.35B vs $903.81M). USB leads profitability with a 28.7% profit margin vs 24.7%. WSBC appears more attractively valued with a PEG of 1.23. WSBC earns a higher WallStSmart Score of 80/100 (B+).
USB
Strong Buy75
out of 100
Grade: B
WSBC
Strong Buy80
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
+47.9%
Fair Value
$70.82
Current Price
$33.87
$36.95 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 49.8%
Revenue surging 61.0% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
ROE of 6.5% — 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 : WSBC
The strongest argument for WSBC centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.7% and operating margin at 49.8%. Revenue growth of 61.0% demonstrates continued momentum.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : WSBC
The primary concerns for WSBC are Return on Equity.
Key Dynamics to Monitor
USB profiles as a mature stock while WSBC is a growth play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
WSBC is growing revenue faster at 61.0% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
WSBC scores higher overall (80/100 vs 75/100), backed by strong 24.7% margins and 61.0% 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.
WesBanco Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
WesBanco, Inc. is the banking holding company for WesBanco Bank, Inc. offering retail banking, corporate banking, personal and corporate trust, brokerage, mortgage banking, and insurance services. The company is headquartered in Wheeling, West Virginia.
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