The Bancorp Inc (TBBK)vsU.S. Bancorp (USB)
TBBK
The Bancorp Inc
$52.50
-0.85%
FINANCIAL SERVICES · Cap: $2.33B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 4909% more annual revenue ($26.35B vs $526.15M). TBBK leads profitability with a 43.4% profit margin vs 28.7%. TBBK appears more attractively valued with a PEG of 1.07. USB earns a higher WallStSmart Score of 75/100 (B).
TBBK
Strong Buy69
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+55.1%
Fair Value
$127.13
Current Price
$52.50
$74.63 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
Every $100 of equity generates 31 in profit
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 59.8%
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
2.3% revenue growth
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : TBBK
The strongest argument for TBBK centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 43.4% and operating margin at 59.8%. PEG of 1.07 suggests the stock is reasonably priced for its growth.
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 : TBBK
The primary concerns for TBBK are Revenue Growth, Free Cash Flow.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
TBBK profiles as a value stock while USB is a mature play — different risk/reward profiles.
TBBK carries more volatility with a beta of 1.33 — expect wider price swings.
USB is growing revenue faster at 5.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 69/100), backed by strong 28.7% margins. TBBK offers better value entry with a 55.1% 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.
The Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
The Bancorp, Inc. is the financial holding company of The Bancorp Bank offering banking products and services in the United States. The company is headquartered in Wilmington, Delaware.
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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