Banco Bradesco S/A ADR (BBDO)vsU.S. Bancorp (USB)
BBDO
Banco Bradesco S/A ADR
$3.15
-1.25%
FINANCIAL SERVICES · Cap: $32.45B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
Banco Bradesco S/A ADR generates 239% more annual revenue ($89.27B vs $26.35B). USB leads profitability with a 28.7% profit margin vs 26.5%. BBDO appears more attractively valued with a PEG of 0.44. BBDO earns a higher WallStSmart Score of 80/100 (A-).
BBDO
Exceptional Buy80
out of 100
Grade: A-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.2%
Fair Value
$18.72
Current Price
$3.15
$15.57 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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 57.2% YoY
Generating 91.0B in free cash flow
Keeps 27 of every $100 in revenue as profit
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
No major concerns identified
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BBDO
The strongest argument for BBDO centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 26.5% and operating margin at 24.8%. PEG of 0.44 suggests the stock is reasonably priced for its growth.
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 : BBDO
No major red flags identified for BBDO, but monitor valuation.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
BBDO is growing revenue faster at 6.0% — sustainability is the question.
BBDO generates stronger free cash flow (91.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BBDO scores higher overall (80/100 vs 75/100), backed by strong 26.5% margins. USB offers better value entry with a 75.8% margin of safety. Both earn "Exceptional 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.
Banco Bradesco S/A ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banco Bradesco SA, offers various banking products and services to individuals, corporations and companies in Brazil and internationally. The company is headquartered in Osasco, Brazil.
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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