U.S. Bancorp (USB)vsUnivest Corporation Pennsylvania (UVSP)
USB
U.S. Bancorp
$62.82
+0.13%
FINANCIAL SERVICES · Cap: $100.43B
UVSP
Univest Corporation Pennsylvania
$44.40
-0.47%
FINANCIAL SERVICES · Cap: $1.24B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 8344% more annual revenue ($27.32B vs $323.55M). USB leads profitability with a 29.9% profit margin vs 29.5%. UVSP appears more attractively valued with a PEG of 1.30. UVSP earns a higher WallStSmart Score of 76/100 (B+).
USB
Strong Buy75
out of 100
Grade: B
UVSP
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Reasonable price relative to book value
Strong operational efficiency at 40.7%
Keeps 30 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 24.7% YoY
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bull Case : UVSP
The strongest argument for UVSP centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.5% and operating margin at 40.7%. Revenue growth of 12.1% demonstrates continued momentum.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : UVSP
The primary concerns for UVSP are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 0.98 — expect wider price swings.
UVSP is growing revenue faster at 12.1% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UVSP scores higher overall (76/100 vs 75/100), backed by strong 29.5% margins and 12.1% revenue growth. 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.
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.
Univest Corporation Pennsylvania
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Univest Financial Corporation is the banking holding company for Univest Bank and Trust Co. offering banking products and services primarily in Pennsylvania. The company is headquartered in Souderton, Pennsylvania.
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