Northwest Bancshares Inc (NWBI)vsU.S. Bancorp (USB)
NWBI
Northwest Bancshares Inc
$15.22
-0.33%
FINANCIAL SERVICES · Cap: $2.23B
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3923% more annual revenue ($27.89B vs $693.21M). USB leads profitability with a 30.0% profit margin vs 28.9%. USB appears more attractively valued with a PEG of 1.79. NWBI earns a higher WallStSmart Score of 77/100 (B+).
NWBI
Strong Buy77
out of 100
Grade: B+
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 41.1%
Earnings expanding 1600.0% YoY
Keeps 29 of every $100 in revenue as profit
Revenue surging 28.3% year-over-year
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
Expensive relative to growth rate
ROE of 7.0% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NWBI
The strongest argument for NWBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.9% and operating margin at 41.1%. Revenue growth of 28.3% demonstrates continued momentum.
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 : NWBI
The primary concerns for NWBI are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
NWBI 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.
NWBI is growing revenue faster at 28.3% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
NWBI scores higher overall (77/100 vs 73/100), backed by strong 28.9% margins and 28.3% revenue growth. 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.
Northwest Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northwest Bancshares, Inc. is a Northwest Bank holding company offering a variety of personal and business banking solutions. The company is headquartered in Warren, Pennsylvania.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?