WallStSmart

Provident Financial Holdings Inc (PROV)vsU.S. Bancorp (USB)

VS
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Smart Verdict

WallStSmart Research — data-driven comparison

U.S. Bancorp generates 68573% more annual revenue ($27.89B vs $40.61M). USB leads profitability with a 30.0% profit margin vs 16.4%. USB appears more attractively valued with a PEG of 1.79. USB earns a higher WallStSmart Score of 73/100 (B).

PROV

Strong Buy

65

out of 100

Grade: B-

Growth: 8.0Profit: 6.5Value: 5.0Quality: 4.8
Piotroski: 7/9

USB

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 3.5
Piotroski: 4/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PROV4 strengths · Avg: 8.5/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

P/E RatioValuation
17.6x8/10

Attractively priced relative to earnings

Operating MarginProfitability
29.0%8/10

Strong operational efficiency at 29.0%

EPS GrowthGrowth
41.6%8/10

Earnings expanding 41.6% YoY

USB6 strengths · Avg: 9.2/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Profit MarginProfitability
30.0%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
40.1%10/10

Strong operational efficiency at 40.1%

Market CapQuality
$91.50B9/10

Large-cap with strong market position

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.82B8/10

Generating 4.8B in free cash flow

Areas to Watch

PROV4 concerns · Avg: 2.8/10
Market CapQuality
$112.55M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Debt/EquityHealth
1.243/10

Elevated debt levels

PEG RatioValuation
4.002/10

Expensive relative to growth rate

USB3 concerns · Avg: 3.0/10
PEG RatioValuation
1.794/10

Expensive relative to growth rate

Debt/EquityHealth
1.103/10

Elevated debt levels

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : PROV

The strongest argument for PROV centers on Price/Book, P/E Ratio, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 29.0%. Revenue growth of 10.3% 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 : PROV

The primary concerns for PROV are Market Cap, Return on Equity, Debt/Equity.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

USB carries more volatility with a beta of 1.02 — expect wider price swings.

PROV is growing revenue faster at 10.3% — sustainability is the question.

USB generates stronger free cash flow (4.8B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

USB scores higher overall (73/100 vs 65/100), backed by strong 30.0% margins. 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.

Provident Financial Holdings Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Provident Financial Holdings, Inc. is the parent company of Provident Savings Bank, FSB providing community banking services to consumers and small and medium-sized businesses in the Inland Empire region of Southern California. The company is headquartered in Riverside, California.

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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