Arrow Financial Corporation (AROW)vsU.S. Bancorp (USB)
AROW
Arrow Financial Corporation
$33.24
-0.24%
FINANCIAL SERVICES · Cap: $531.01M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 16546% more annual revenue ($26.35B vs $158.32M). USB leads profitability with a 28.7% profit margin vs 27.8%. USB appears more attractively valued with a PEG of 1.80. AROW earns a higher WallStSmart Score of 76/100 (B+).
AROW
Strong Buy76
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.8%
Fair Value
$124.02
Current Price
$33.24
$90.78 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 40.7%
Revenue surging 37.0% year-over-year
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
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
Areas to Watch
2.2% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AROW
The strongest argument for AROW centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.8% and operating margin at 40.7%. Revenue growth of 37.0% demonstrates continued momentum.
Bull 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%.
Bear Case : AROW
The primary concerns for AROW are EPS Growth, Market Cap, PEG Ratio.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AROW profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
AROW is growing revenue faster at 37.0% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
AROW scores higher overall (76/100 vs 75/100), backed by strong 27.8% margins and 37.0% 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.
Arrow Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Arrow Financial Corporation, a banking holding company, offers consumer and commercial banking and financial products and services. The company is headquartered in Glens Falls, New York.
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.
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