U.S. Bancorp (USB)vsValley National Bancorp A Pref (VLYPP)
USB
U.S. Bancorp
$62.82
+0.13%
FINANCIAL SERVICES · Cap: $100.43B
VLYPP
Valley National Bancorp A Pref
$25.00
-0.20%
FINANCIAL SERVICES · Cap: $3.13B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1260% more annual revenue ($27.32B vs $2.01B). VLYPP leads profitability with a 34.5% profit margin vs 29.9%. USB trades at a lower P/E of 12.7x. USB earns a higher WallStSmart Score of 75/100 (B).
USB
Strong Buy75
out of 100
Grade: B
VLYPP
Buy61
out of 100
Grade: C+
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
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 46.8%
Reasonable price relative to book value
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 : VLYPP
The strongest argument for VLYPP centers on Profit Margin, Operating Margin, Price/Book. 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 : VLYPP
The primary concerns for VLYPP are Altman Z-Score.
Key Dynamics to Monitor
VLYPP carries more volatility with a beta of 1.05 — expect wider price swings.
VLYPP 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
USB scores higher overall (75/100 vs 61/100), backed by strong 29.9% margins and 10.4% revenue growth. Both earn "Strong Buy" and "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 A Pref
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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