Lennox International Inc (LII)vsU.S. Bancorp (USB)
LII
Lennox International Inc
$541.37
+3.67%
INDUSTRIALS · Cap: $18.32B
USB
U.S. Bancorp
$56.16
+1.01%
FINANCIAL SERVICES · Cap: $87.55B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 407% more annual revenue ($26.65B vs $5.26B). USB leads profitability with a 29.3% profit margin vs 15.1%. LII appears more attractively valued with a PEG of 1.52. USB earns a higher WallStSmart Score of 71/100 (B).
LII
Buy56
out of 100
Grade: C
USB
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-50.6%
Fair Value
$370.16
Current Price
$541.37
$171.21 premium
Intrinsic value data unavailable for USB.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 77 in profit
Safe zone — low bankruptcy risk
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
Expensive relative to growth rate
Trading at 16.2x book value
Weak financial health signals
Earnings declined 0.6%
Expensive relative to growth rate
4.6% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LII
The strongest argument for LII centers on Return on Equity, Altman Z-Score. Profitability is solid with margins at 15.1% and operating margin at 14.4%.
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 : LII
The primary concerns for LII are PEG Ratio, Price/Book, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
LII profiles as a mature stock while USB is a value play — different risk/reward profiles.
LII carries more volatility with a beta of 1.21 — expect wider price swings.
LII is growing revenue faster at 5.8% — 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 56/100), backed by strong 29.3% 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.
Lennox International Inc
INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA
Lennox International Inc. designs, manufactures and markets a range of products for the heating, ventilation, air conditioning and refrigeration markets in the United States, Canada and internationally. The company is headquartered in Richardson, Texas.
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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