Peapack-Gladstone Financial (PGC)vsU.S. Bancorp (USB)
PGC
Peapack-Gladstone Financial
$43.91
+4.20%
FINANCIAL SERVICES · Cap: $800.34M
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 9630% more annual revenue ($26.65B vs $273.87M). USB leads profitability with a 29.3% profit margin vs 16.0%. PGC appears more attractively valued with a PEG of 0.64. PGC earns a higher WallStSmart Score of 76/100 (B+).
PGC
Strong Buy76
out of 100
Grade: B+
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 86.0% YoY
Growing faster than its price suggests
Strong operational efficiency at 28.1%
Revenue surging 25.5% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PGC
The strongest argument for PGC centers on Price/Book, EPS Growth, PEG Ratio. Profitability is solid with margins at 16.0% and operating margin at 28.1%. Revenue growth of 25.5% 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 29.3% and operating margin at 37.8%.
Bear Case : PGC
The primary concerns for PGC are Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
PGC profiles as a growth stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
PGC is growing revenue faster at 25.5% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
PGC scores higher overall (76/100 vs 71/100), backed by strong 16.0% margins and 25.5% 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.
Peapack-Gladstone Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.
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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