U.S. Bancorp (USB)vsValley National Bancorp (VLY)
USB
U.S. Bancorp
$60.49
-0.99%
FINANCIAL SERVICES · Cap: $92.63B
VLY
Valley National Bancorp
$14.27
-1.25%
FINANCIAL SERVICES · Cap: $7.89B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1257% more annual revenue ($27.89B vs $2.05B). VLY leads profitability with a 35.8% profit margin vs 30.0%. VLY appears more attractively valued with a PEG of 1.16. USB earns a higher WallStSmart Score of 75/100 (B).
USB
Strong Buy75
out of 100
Grade: B
VLY
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.6%
Earnings expanding 29.6% YoY
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : VLY
The strongest argument for VLY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.8% and operating margin at 48.6%. PEG of 1.16 suggests the stock is reasonably priced for its growth.
Bear Case : USB
The primary concerns for USB are Debt/Equity, Altman Z-Score.
Bear Case : VLY
The primary concerns for VLY are Altman Z-Score.
Key Dynamics to Monitor
VLY carries more volatility with a beta of 1.09 — expect wider price swings.
VLY is growing revenue faster at 9.7% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 73/100), 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.
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.
Valley National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.
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