U.S. Bancorp (USB)vsWashington Federal Inc (WAFD)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
WAFD
Washington Federal Inc
$31.55
-0.09%
FINANCIAL SERVICES · Cap: $2.41B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3488% more annual revenue ($26.35B vs $734.47M). WAFD leads profitability with a 33.1% profit margin vs 28.7%. USB appears more attractively valued with a PEG of 1.80. WAFD earns a higher WallStSmart Score of 76/100 (B+).
USB
Strong Buy75
out of 100
Grade: B
WAFD
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Margin of Safety
+75.5%
Fair Value
$134.32
Current Price
$31.55
$102.77 discount
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 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.6%
Earnings expanding 46.6% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
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 28.7% and operating margin at 39.3%.
Bull Case : WAFD
The strongest argument for WAFD centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.1% and operating margin at 46.6%.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : WAFD
The primary concerns for WAFD are PEG Ratio.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
WAFD is growing revenue faster at 9.8% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WAFD scores higher overall (76/100 vs 75/100), backed by strong 33.1% margins. USB offers better value entry with a 75.8% margin of safety. 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.
Washington Federal Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Federal, Inc. is the banking holding company for Washington Federal Bank, a National Association that provides loans, deposits, insurance, and other banking services in the United States. The company is headquartered in Seattle, Washington.
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