Enterprise Financial Services (EFSC)vsU.S. Bancorp (USB)
EFSC
Enterprise Financial Services
$61.35
+0.50%
FINANCIAL SERVICES · Cap: $2.35B
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3741% more annual revenue ($26.65B vs $693.68M). USB leads profitability with a 29.3% profit margin vs 28.9%. EFSC appears more attractively valued with a PEG of 1.23. USB earns a higher WallStSmart Score of 71/100 (B).
EFSC
Strong Buy69
out of 100
Grade: B-
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 35.3%
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
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
Earnings declined 0.8%
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : EFSC
The strongest argument for EFSC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 28.9% and operating margin at 35.3%. Revenue growth of 12.6% demonstrates continued momentum.
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 : EFSC
The primary concerns for EFSC are EPS Growth, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
EFSC profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
EFSC is growing revenue faster at 12.6% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 69/100), backed by strong 29.3% margins. 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.
Enterprise Financial Services
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Enterprise Financial Services Corp is the financial holding company of Enterprise Bank & Trust offering banking and wealth management services to individual and corporate clients. The company is headquartered in Clayton, Missouri.
Visit Website →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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