U.S. Bancorp (USB)vsWest Bancorporation (WTBA)
USB
U.S. Bancorp
$51.89
-0.58%
FINANCIAL SERVICES · Cap: $81.01B
WTBA
West Bancorporation
$23.71
+0.51%
FINANCIAL SERVICES · Cap: $399.63M
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 27570% more annual revenue ($26.35B vs $95.25M). WTBA leads profitability with a 34.2% profit margin vs 28.7%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
USB
Strong Buy75
out of 100
Grade: B
WTBA
Buy56
out of 100
Grade: C
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
-10.0%
Fair Value
$23.19
Current Price
$23.71
$0.52 premium
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
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.1%
Attractively priced relative to earnings
Reasonable price relative to book value
17.4% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
3.3% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
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 : WTBA
The strongest argument for WTBA centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 34.2% and operating margin at 43.1%. Revenue growth of 17.4% demonstrates continued momentum.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : WTBA
The primary concerns for WTBA are EPS Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
USB profiles as a mature stock while WTBA is a growth play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
WTBA is growing revenue faster at 17.4% — 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 56/100), backed by strong 28.7% margins. Both earn "Strong Buy" and "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.
West Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
West Bancorporation, Inc. is West Bank's financial holding company providing trust and community banking services to individuals and small and medium-sized businesses in the United States. The company is headquartered in West Des Moines, Iowa.
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