Banner Corporation (BANR)vsU.S. Bancorp (USB)
BANR
Banner Corporation
$74.01
+0.43%
FINANCIAL SERVICES · Cap: $2.39B
USB
U.S. Bancorp
$65.42
+0.38%
FINANCIAL SERVICES · Cap: $100.05B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3968% more annual revenue ($27.32B vs $671.55M). BANR leads profitability with a 31.0% profit margin vs 29.9%. BANR appears more attractively valued with a PEG of 1.83. USB earns a higher WallStSmart Score of 75/100 (B).
BANR
Strong Buy69
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 37.7%
Conservative balance sheet, low leverage
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BANR
The strongest argument for BANR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.0% and operating margin at 37.7%.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : BANR
The primary concerns for BANR are PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 0.98 — expect wider price swings.
USB is growing revenue faster at 10.4% — 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 (75/100 vs 69/100), backed by strong 29.9% margins and 10.4% revenue growth. 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.
Banner Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banner Corporation is Banner Bank's banking holding company providing commercial and financial banking products and services to individuals, businesses, and public sector entities in the United States. The company is headquartered in Walla Walla, Washington.
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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