Natwest Group PLC (NWG)vsU.S. Bancorp (USB)
NWG
Natwest Group PLC
$14.60
+1.39%
FINANCIAL SERVICES · Cap: $57.46B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 65% more annual revenue ($26.35B vs $15.97B). NWG leads profitability with a 36.5% profit margin vs 28.7%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
NWG
Strong Buy67
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+66.5%
Fair Value
$49.97
Current Price
$14.60
$35.37 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
Attractively priced relative to earnings
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 47.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 7.1B in free cash flow
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
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NWG
The strongest argument for NWG centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.5% and operating margin at 47.1%. Revenue growth of 11.4% 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 : NWG
The primary concerns for NWG are Debt/Equity, PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
NWG is growing revenue faster at 11.4% — sustainability is the question.
NWG generates stronger free cash flow (7.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 67/100), backed by strong 28.7% margins. NWG offers better value entry with a 66.5% 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.
Natwest Group PLC
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NatWest Group plc, provides banking and financial products and services to personal, commercial, corporate and institutional clients. The company is headquartered in Edinburgh, the United Kingdom.
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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