U.S. Bancorp (USB)vsWestamerica Bancorporation (WABC)
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
WABC
Westamerica Bancorporation
$60.92
-1.02%
FINANCIAL SERVICES · Cap: $1.42B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 10943% more annual revenue ($27.89B vs $252.51M). WABC leads profitability with a 43.8% profit margin vs 30.0%. USB appears more attractively valued with a PEG of 1.79. USB earns a higher WallStSmart Score of 73/100 (B).
USB
Strong Buy73
out of 100
Grade: B
WABC
Buy59
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 44 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
0.5% revenue growth
Smaller company, higher risk/reward
Expensive relative to growth rate
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 : WABC
The strongest argument for WABC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 43.8% and operating margin at 60.8%.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : WABC
The primary concerns for WABC are Revenue Growth, Market Cap, PEG Ratio.
Key Dynamics to Monitor
USB profiles as a mature stock while WABC is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (73/100 vs 59/100), 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.
Westamerica Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.
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