The Bancorp Inc (TBBK)vsU.S. Bancorp (USB)
TBBK
The Bancorp Inc
$48.25
+1.07%
FINANCIAL SERVICES · Cap: $2.06B
USB
U.S. Bancorp
$59.75
-0.50%
FINANCIAL SERVICES · Cap: $92.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 5143% more annual revenue ($27.89B vs $531.90M). TBBK leads profitability with a 43.6% profit margin vs 30.0%. TBBK appears more attractively valued with a PEG of 1.07. USB earns a higher WallStSmart Score of 75/100 (B).
TBBK
Strong Buy74
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 33 in profit
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 59.7%
Reasonable price relative to book value
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
0.4% revenue growth
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Elevated debt levels
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 43.6% and operating margin at 59.7%. 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, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : TBBK
The primary concerns for TBBK are Revenue Growth, Debt/Equity, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are Debt/Equity, 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 1.25 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 74/100), 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.
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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