AT&T Inc. 5.35% GLB NTS 66 (TBB)vsU.S. Bancorp (USB)

TBB

AT&T Inc. 5.35% GLB NTS 66

NYSE

$21.69

+0.09%

· Cap: $132.56B

USB

U.S. Bancorp

NYSE

$55.53

+0.40%

FINANCIAL SERVICES · Cap: $85.86B

⚡

Smart Verdict

WallStSmart Research — data-driven comparison

USB leads profitability with a 29.3% profit margin vs 0.0%. TBB trades at a lower P/E of 4.2x. USB earns a higher WallStSmart Score of 71/100 (B).

TBB

Avoid

out of 100

Grade: F

Growth: 4.0Profit: 4.5Value: 6.7Quality: 3.5

Piotroski: 5/9Altman Z: 0.87

USB

Strong Buy

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 6.3Quality: 5.3

Piotroski: 5/9Altman Z: 0.39

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TBB3 strengths · Avg: 9.0/10

P/E RatioValuation

4.2x10/10

Attractively priced relative to earnings

Market CapQuality

$132.56B9/10

Large-cap with strong market position

Free Cash FlowQuality

$2.68B8/10

Generating 2.7B in free cash flow

USB6 strengths · Avg: 9.3/10

P/E RatioValuation

11.6x10/10

Attractively priced relative to earnings

Price/BookValuation

1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability

37.8%10/10

Strong operational efficiency at 37.8%

Market CapQuality

$85.86B9/10

Large-cap with strong market position

Profit MarginProfitability

29.3%9/10

Keeps 29 of every $100 in revenue as profit

Free Cash FlowQuality

$1.34B8/10

Generating 1.3B in free cash flow

Areas to Watch

TBB4 concerns · Avg: 3.5/10

Revenue GrowthGrowth

0.0%4/10

0.0% revenue growth

EPS GrowthGrowth

0.0%4/10

0.0% earnings growth

Profit MarginProfitability

0.0%3/10

0.0% margin — thin

Operating MarginProfitability

0.0%3/10

Operating margin of 0.0%

USB3 concerns · Avg: 3.3/10

PEG RatioValuation

1.924/10

Expensive relative to growth rate

Revenue GrowthGrowth

4.6%4/10

4.6% revenue growth

Altman Z-ScoreHealth

0.392/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : TBB

The strongest argument for TBB centers on P/E Ratio, Market Cap, Free Cash Flow.

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 : TBB

The primary concerns for TBB are Revenue Growth, EPS Growth, Profit Margin. Debt-to-equity of 1.57 is elevated, increasing financial risk.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

USB is growing revenue faster at 4.6% — sustainability is the question.

TBB generates stronger free cash flow (2.7B), providing more financial flexibility.

Monitor sector industry trends, competitive dynamics, and regulatory changes.

Bottom Line

USB scores higher overall (71/100 vs 25/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AT&T Inc. 5.35% GLB NTS 66

· · USA

AT&T Inc. provides digital entertainment communications and services. The company is headquartered in Dallas, Texas.

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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