U.S. Bancorp (USB)vsValley National Bancorp A Pref (VLYPP)
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
VLYPP
Valley National Bancorp A Pref
$25.02
-0.04%
FINANCIAL SERVICES · Cap: $3.13B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1255% more annual revenue ($27.89B vs $2.06B). VLYPP leads profitability with a 35.8% profit margin vs 30.0%. USB trades at a lower P/E of 11.4x. USB earns a higher WallStSmart Score of 73/100 (B).
USB
Strong Buy73
out of 100
Grade: B
VLYPP
Buy61
out of 100
Grade: C+
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
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.8%
Reasonable price relative to book value
Earnings expanding 30.1% 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 P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bull Case : VLYPP
The strongest argument for VLYPP centers on Profit Margin, Operating Margin, Price/Book. Profitability is solid with margins at 35.8% and operating margin at 48.8%. Revenue growth of 10.3% 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 1.09 — expect wider price swings.
VLYPP is growing revenue faster at 10.3% — 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 (73/100 vs 61/100), backed by strong 30.0% 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.
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