U.S. Bancorp (USB)vsUnivest Corporation Pennsylvania (UVSP)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
UVSP
Univest Corporation Pennsylvania
$33.70
-0.30%
FINANCIAL SERVICES · Cap: $962.48M
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 8285% more annual revenue ($26.35B vs $314.29M). UVSP leads profitability with a 28.9% profit margin vs 28.7%. UVSP appears more attractively valued with a PEG of 1.30. USB earns a higher WallStSmart Score of 75/100 (B).
USB
Strong Buy75
out of 100
Grade: B
UVSP
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Margin of Safety
+73.7%
Fair Value
$130.96
Current Price
$33.70
$97.26 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 34.9%
Keeps 29 of every $100 in revenue as profit
Earnings expanding 21.9% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : UVSP
The strongest argument for UVSP centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.9% and operating margin at 34.9%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : UVSP
The primary concerns for UVSP are Market Cap.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
UVSP is growing revenue faster at 6.9% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 72/100), backed by strong 28.7% margins. UVSP offers better value entry with a 73.7% 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.
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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