U.S. Bancorp (USB)vsValley National Bancorp (VLY)
USB
U.S. Bancorp
$64.23
-0.03%
FINANCIAL SERVICES · Cap: $100.43B
VLY
Valley National Bancorp
$14.88
+2.62%
FINANCIAL SERVICES · Cap: $7.90B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1260% more annual revenue ($27.32B vs $2.01B). VLY leads profitability with a 34.5% profit margin vs 29.9%. VLY appears more attractively valued with a PEG of 1.16. VLY earns a higher WallStSmart Score of 77/100 (B+).
USB
Strong Buy75
out of 100
Grade: B
VLY
Strong Buy77
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
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 46.8%
Attractively priced relative to earnings
15.0% revenue growth
Earnings expanding 31.8% YoY
Areas to Watch
Expensive relative to growth rate
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 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 : VLY
The strongest argument for VLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.5% and operating margin at 46.8%. Revenue growth of 15.0% demonstrates continued momentum.
Bear Case : USB
The primary concerns for USB are PEG Ratio, 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 1.05 — expect wider price swings.
VLY is growing revenue faster at 15.0% — 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
VLY scores higher overall (77/100 vs 75/100), backed by strong 34.5% margins and 15.0% 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.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?