U.S. Bancorp (USB)vsValley National Bancorp A Pref (VLYPP)
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
VLYPP
Valley National Bancorp A Pref
$25.10
+0.24%
FINANCIAL SERVICES · Cap: $3.13B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1273% more annual revenue ($26.65B vs $1.94B). VLYPP leads profitability with a 33.8% profit margin vs 29.3%. USB trades at a lower P/E of 11.4x. USB earns a higher WallStSmart Score of 71/100 (B).
USB
Strong Buy71
out of 100
Grade: B
VLYPP
Buy63
out of 100
Grade: C+
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 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Earnings expanding 58.1% YoY
Reasonable price relative to book value
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 P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bull Case : VLYPP
The strongest argument for VLYPP centers on Profit Margin, Operating Margin, EPS Growth. 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 : VLYPP
No major red flags identified for VLYPP, but monitor valuation.
Key Dynamics to Monitor
USB profiles as a value stock while VLYPP is a growth play — different risk/reward profiles.
VLYPP carries more volatility with a beta of 1.06 — expect wider price swings.
VLYPP 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
USB scores higher overall (71/100 vs 63/100), backed by strong 29.3% margins. 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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?