Northwest Bancshares Inc (NWBI)vsU.S. Bancorp (USB)
NWBI
Northwest Bancshares Inc
$12.51
+0.48%
FINANCIAL SERVICES · Cap: $1.82B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 4299% more annual revenue ($26.35B vs $599.09M). USB leads profitability with a 28.7% profit margin vs 21.0%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
NWBI
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
+52.4%
Fair Value
$27.31
Current Price
$12.51
$14.80 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 39.9%
Keeps 21 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 25.1% year-over-year
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
ROE of 7.2% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NWBI
The strongest argument for NWBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 21.0% and operating margin at 39.9%. Revenue growth of 25.1% 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 : NWBI
The primary concerns for NWBI are PEG Ratio, Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, 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 1.04 — expect wider price swings.
NWBI is growing revenue faster at 25.1% — 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. NWBI offers better value entry with a 52.4% 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.
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.
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