WallStSmart

Masco Corporation (MAS)vsU.S. Bancorp (USB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U.S. Bancorp generates 247% more annual revenue ($26.65B vs $7.68B). USB leads profitability with a 29.3% profit margin vs 10.9%. MAS appears more attractively valued with a PEG of 1.87. USB earns a higher WallStSmart Score of 69/100 (B-).

MAS

Strong Buy

67

out of 100

Grade: B-

Growth: 5.3Profit: 8.5Value: 5.0Quality: 7.5
Piotroski: 4/9Altman Z: 2.35

USB

Strong Buy

69

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 5.7Quality: 3.5
Piotroski: 4/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MAS3 strengths · Avg: 9.3/10
Return on EquityProfitability
84.6%10/10

Every $100 of equity generates 85 in profit

Debt/EquityHealth
-13.6410/10

Conservative balance sheet, low leverage

EPS GrowthGrowth
20.0%8/10

Earnings expanding 20.0% YoY

USB6 strengths · Avg: 9.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.8%10/10

Strong operational efficiency at 37.8%

Market CapQuality
$90.02B9/10

Large-cap with strong market position

Profit MarginProfitability
29.3%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.34B8/10

Generating 1.3B in free cash flow

Areas to Watch

MAS2 concerns · Avg: 3.0/10
PEG RatioValuation
1.874/10

Expensive relative to growth rate

Free Cash FlowQuality
$-113.00M2/10

Negative free cash flow — burning cash

USB4 concerns · Avg: 3.3/10
PEG RatioValuation
2.124/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Debt/EquityHealth
1.203/10

Elevated debt levels

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MAS

The strongest argument for MAS centers on Return on Equity, Debt/Equity, EPS Growth.

Bull Case : USB

The strongest argument for USB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.3% and operating margin at 37.8%.

Bear Case : MAS

The primary concerns for MAS are PEG Ratio, Free Cash Flow.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.

Key Dynamics to Monitor

MAS carries more volatility with a beta of 1.31 — expect wider price swings.

MAS is growing revenue faster at 6.5% — sustainability is the question.

USB generates stronger free cash flow (1.3B), providing more financial flexibility.

Monitor BUILDING PRODUCTS & EQUIPMENT industry trends, competitive dynamics, and regulatory changes.

Bottom Line

USB scores higher overall (69/100 vs 67/100), 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.

Masco Corporation

INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA

Masco Corporation is a manufacturer of products for the home improvement and new home construction markets.

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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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