Horizon Bancorp (HBNC)vsU.S. Bancorp (USB)
HBNC
Horizon Bancorp
$20.69
-0.77%
FINANCIAL SERVICES · Cap: $1.03B
USB
U.S. Bancorp
$59.74
-0.23%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates -225278% more annual revenue ($27.89B vs $-12.38M). USB leads profitability with a 30.0% profit margin vs 0.0%. HBNC appears more attractively valued with a PEG of 0.80. USB earns a higher WallStSmart Score of 73/100 (B).
HBNC
Buy59
out of 100
Grade: C
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 43.5%
Growing faster than its price suggests
Reasonable price relative to book value
16.9% revenue growth
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
3.7% earnings growth
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HBNC
The strongest argument for HBNC centers on Operating Margin, PEG Ratio, Price/Book. Revenue growth of 16.9% demonstrates continued momentum. PEG of 0.80 suggests the stock is reasonably priced for its growth.
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 : HBNC
The primary concerns for HBNC are EPS Growth, Market Cap, Profit Margin.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
HBNC profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
HBNC is growing revenue faster at 16.9% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (73/100 vs 59/100), backed by strong 30.0% 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.
Horizon Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Horizon Bancorp, Inc. is the banking holding company for Horizon Bank providing a range of commercial and retail banking services. The company is headquartered in Michigan City, Indiana.
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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