Deutsche Bank AG (DB)vsU.S. Bancorp (USB)
DB
Deutsche Bank AG
$28.47
-3.16%
FINANCIAL SERVICES · Cap: $74.43B
USB
U.S. Bancorp
$51.25
-0.10%
FINANCIAL SERVICES · Cap: $79.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Deutsche Bank AG generates 13% more annual revenue ($29.86B vs $26.35B). USB leads profitability with a 28.7% profit margin vs 19.2%. DB appears more attractively valued with a PEG of 1.42. USB earns a higher WallStSmart Score of 75/100 (B).
DB
Strong Buy72
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+43.4%
Fair Value
$65.88
Current Price
$28.47
$37.41 discount
Margin of Safety
+76.0%
Fair Value
$214.00
Current Price
$51.25
$162.75 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.1%
Large-cap with strong market position
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
ROE of 7.6% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : DB
The strongest argument for DB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 19.2% and operating margin at 32.1%. PEG of 1.42 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 : DB
The primary concerns for DB are Return on Equity.
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.
DB is growing revenue faster at 8.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 72/100), backed by strong 28.7% margins. DB offers better value entry with a 43.4% 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.
Deutsche Bank AG
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Deutsche Bank Aktiengesellschaft offers investment, financial and related products and services to individuals, corporate entities and institutional clients worldwide. The company is headquartered in Frankfurt am Main, Germany.
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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