Banco Macro SA B ADR (BMA)vsU.S. Bancorp (USB)
BMA
Banco Macro SA B ADR
$84.94
-2.38%
FINANCIAL SERVICES · Cap: $6.31B
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
Banco Macro SA B ADR generates 15150% more annual revenue ($4.06T vs $26.65B). USB leads profitability with a 29.3% profit margin vs 7.1%. BMA appears more attractively valued with a PEG of 0.47. USB earns a higher WallStSmart Score of 71/100 (B).
BMA
Buy54
out of 100
Grade: C-
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Generating 594.0B in free cash flow
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 24.1%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
ROE of 0.0% — below average capital efficiency
7.1% margin — thin
Weak financial health signals
Revenue declined 3.3%
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BMA
The strongest argument for BMA centers on PEG Ratio, Free Cash Flow, Debt/Equity. PEG of 0.47 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 29.3% and operating margin at 37.8%.
Bear Case : BMA
The primary concerns for BMA are Return on Equity, Profit Margin, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 4.6% — sustainability is the question.
BMA generates stronger free cash flow (594.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (71/100 vs 54/100), backed by strong 29.3% 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.
Banco Macro SA B ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banco Macro SA offers various banking products and services to retail and corporate clients in Argentina. The company is headquartered in Buenos Aires, Argentina.
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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