Fulton Financial Corporation (FULT)vsU.S. Bancorp (USB)
FULT
Fulton Financial Corporation
$23.68
+1.37%
FINANCIAL SERVICES · Cap: $4.28B
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1991% more annual revenue ($27.89B vs $1.33B). USB leads profitability with a 30.0% profit margin vs 29.7%. FULT appears more attractively valued with a PEG of 1.54. USB earns a higher WallStSmart Score of 73/100 (B).
FULT
Strong Buy67
out of 100
Grade: B-
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 42.3%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Expensive relative to growth rate
Earnings declined 1.9%
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FULT
The strongest argument for FULT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.7% and operating margin at 42.3%. Revenue growth of 13.7% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : FULT
The primary concerns for FULT are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.02 — expect wider price swings.
FULT is growing revenue faster at 13.7% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (73/100 vs 67/100), backed by strong 30.0% 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.
Fulton Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Fulton Financial Corporation is a financial holding company that provides banking and financial services to businesses and consumers. The company is headquartered in Lancaster, Pennsylvania.
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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