U.S. Bancorp (USB)vsWashington Federal Inc (WAFDP)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
WAFDP
Washington Federal Inc
$16.63
+1.59%
FINANCIAL SERVICES · Cap: $2.32B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3488% more annual revenue ($26.35B vs $734.47M). WAFDP leads profitability with a 33.1% profit margin vs 28.7%. WAFDP trades at a lower P/E of 6.0x. USB earns a higher WallStSmart Score of 75/100 (B).
USB
Strong Buy75
out of 100
Grade: B
WAFDP
Hold49
out of 100
Grade: D+
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
+87.0%
Fair Value
$128.14
Current Price
$16.63
$111.51 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
Distress zone — elevated risk
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 : WAFDP
The strongest argument for WAFDP 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 : WAFDP
The primary concerns for WAFDP are Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
WAFDP 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
USB scores higher overall (75/100 vs 49/100), backed by strong 28.7% margins. WAFDP offers better value entry with a 87.0% margin of safety. Both earn "Strong Buy" and "Hold" 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. (WAFDP), headquartered in Seattle, Washington, is a prominent financial institution that offers a comprehensive suite of services encompassing retail and commercial banking, mortgage banking, and wealth management. Known for its dedication to exceptional customer service, the bank strategically serves individuals, businesses, and communities throughout the Western United States. With a focus on technological innovation and local market expertise, Washington Federal maintains a solid financial foundation and exhibits strong resilience amid evolving market conditions. Its commitment to prudent risk management and community involvement positions it as a reliable partner in promoting economic growth and stability.
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