Independent Bank (INDB)vsU.S. Bancorp (USB)
INDB
Independent Bank
$74.95
-0.08%
FINANCIAL SERVICES · Cap: $3.72B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3227% more annual revenue ($26.35B vs $792.05M). USB leads profitability with a 28.7% profit margin vs 25.9%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
INDB
Strong Buy71
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+59.5%
Fair Value
$207.79
Current Price
$74.95
$132.84 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 47.5%
Revenue surging 47.1% year-over-year
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 29.2% YoY
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 6.3% — below average capital efficiency
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : INDB
The strongest argument for INDB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.9% and operating margin at 47.5%. Revenue growth of 47.1% 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 28.7% and operating margin at 39.3%.
Bear Case : INDB
The primary concerns for INDB are Return on Equity, Piotroski F-Score, PEG Ratio.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
INDB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
INDB is growing revenue faster at 47.1% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 71/100), backed by strong 28.7% margins. INDB offers better value entry with a 59.5% 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.
Independent Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Independent Bank Corp. The company is headquartered in Rockland, Massachusetts.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?