Banco Macro SA B ADR (BMA)vsU.S. Bancorp (USB)
BMA
Banco Macro SA B ADR
$77.82
-1.28%
FINANCIAL SERVICES · Cap: $5.01B
USB
U.S. Bancorp
$62.84
+0.69%
FINANCIAL SERVICES · Cap: $97.91B
Smart Verdict
WallStSmart Research — data-driven comparison
Banco Macro SA B ADR generates 12511% more annual revenue ($3.45T vs $27.32B). USB leads profitability with a 29.9% profit margin vs 8.4%. BMA appears more attractively valued with a PEG of 0.47. USB earns a higher WallStSmart Score of 77/100 (B+).
BMA
Strong Buy70
out of 100
Grade: B
USB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Generating 575.3B in free cash flow
Conservative balance sheet, low leverage
Strong operational efficiency at 26.1%
Revenue surging 21.4% year-over-year
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
ROE of 0.0% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BMA
The strongest argument for BMA centers on PEG Ratio, Price/Book, Free Cash Flow. Revenue growth of 21.4% demonstrates continued momentum. PEG of 0.47 suggests the stock is reasonably priced for its growth.
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 : BMA
The primary concerns for BMA are Return on Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
BMA profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.97 — expect wider price swings.
BMA is growing revenue faster at 21.4% — sustainability is the question.
BMA generates stronger free cash flow (575.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (77/100 vs 70/100), 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.
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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