U.S. Bancorp (USB)vsValley National Bancorp (VLY)
USB
U.S. Bancorp
$55.69
+0.40%
FINANCIAL SERVICES · Cap: $90.02B
VLY
Valley National Bancorp
$13.78
-0.07%
FINANCIAL SERVICES · Cap: $8.11B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1273% more annual revenue ($26.65B vs $1.94B). VLY leads profitability with a 33.8% profit margin vs 29.3%. VLY appears more attractively valued with a PEG of 1.16. VLY earns a higher WallStSmart Score of 77/100 (B+).
USB
Strong Buy69
out of 100
Grade: B-
VLY
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Generating 1.3B in free cash flow
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Earnings expanding 58.1% YoY
Attractively priced relative to earnings
Revenue surging 23.8% year-over-year
Areas to Watch
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : USB
The strongest argument for USB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bull Case : VLY
The strongest argument for VLY centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.8% and operating margin at 46.4%. Revenue growth of 23.8% demonstrates continued momentum.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : VLY
No major red flags identified for VLY, but monitor valuation.
Key Dynamics to Monitor
USB profiles as a value stock while VLY is a growth play — different risk/reward profiles.
VLY carries more volatility with a beta of 1.06 — expect wider price swings.
VLY is growing revenue faster at 23.8% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
VLY scores higher overall (77/100 vs 69/100), backed by strong 33.8% margins and 23.8% 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.
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