National Bank Holdings Corporation (NBHC)vsU.S. Bancorp (USB)
NBHC
National Bank Holdings Corporation
$38.75
+0.81%
FINANCIAL SERVICES · Cap: $1.74B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6517% more annual revenue ($26.35B vs $398.27M). USB leads profitability with a 28.7% profit margin vs 27.5%. NBHC appears more attractively valued with a PEG of 1.57. USB earns a higher WallStSmart Score of 75/100 (B).
NBHC
Buy53
out of 100
Grade: C-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-114.3%
Fair Value
$19.38
Current Price
$38.75
$19.37 premium
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
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 24.1%
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
Expensive relative to growth rate
Smaller company, higher risk/reward
Revenue declined 7.7%
Earnings declined 41.9%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NBHC
The strongest argument for NBHC centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 27.5% and operating margin at 24.1%.
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 : NBHC
The primary concerns for NBHC are PEG Ratio, Market Cap, Revenue Growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NBHC profiles as a declining 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.
USB is growing revenue faster at 5.3% — 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 53/100), backed by strong 28.7% 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.
National Bank Holdings Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
National Bank Holdings Corporation is the banking holding company for NBH Bank offering various banking products and financial services to commercial, commercial and consumer clients in the United States. The company is headquartered in Greenwood Village, Colorado.
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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