Regions Financial Corporation (RF)vsU.S. Bancorp (USB)
RF
Regions Financial Corporation
$28.54
+0.39%
FINANCIAL SERVICES · Cap: $24.98B
USB
U.S. Bancorp
$55.69
+2.27%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 271% more annual revenue ($26.65B vs $7.18B). RF leads profitability with a 31.0% profit margin vs 29.3%. RF appears more attractively valued with a PEG of 1.68. RF earns a higher WallStSmart Score of 75/100 (B).
RF
Strong Buy75
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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Attractively priced relative to earnings
Earnings expanding 21.6% YoY
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
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : RF
The strongest argument for RF centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 40.1%.
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 : RF
The primary concerns for RF are PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
RF profiles as a mature stock while USB is a value play — different risk/reward profiles.
RF carries more volatility with a beta of 1.03 — expect wider price swings.
RF is growing revenue faster at 7.3% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
RF scores higher overall (75/100 vs 71/100), backed by strong 31.0% 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.
Regions Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Regions Financial Corporation is a bank holding company headquartered in the Regions Center in Birmingham, Alabama. The company provides retail banking and commercial banking, trust, stockbrokerage, and mortgage services.
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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