U.S. Bancorp (USB)vsWestern Alliance Bancorporation (WAL)
USB
U.S. Bancorp
$62.84
+0.69%
FINANCIAL SERVICES · Cap: $97.91B
WAL
Western Alliance Bancorporation
$79.29
+0.01%
FINANCIAL SERVICES · Cap: $8.72B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 683% more annual revenue ($27.32B vs $3.49B). USB leads profitability with a 29.9% profit margin vs 28.2%. WAL appears more attractively valued with a PEG of 1.47. USB earns a higher WallStSmart Score of 77/100 (B+).
USB
Strong Buy77
out of 100
Grade: B+
WAL
Strong Buy75
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.4%
Keeps 28 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bull Case : WAL
The strongest argument for WAL centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.2% and operating margin at 39.4%. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : WAL
The primary concerns for WAL are Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
WAL carries more volatility with a beta of 1.32 — expect wider price swings.
WAL is growing revenue faster at 13.6% — 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 (77/100 vs 75/100), backed by strong 29.9% margins and 10.4% revenue growth. 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.
Western Alliance Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Western Alliance Bancorporation is the banking holding company for Western Alliance Bank offering various banking products and related services primarily in Arizona, California and Nevada. The company is headquartered in Phoenix, Arizona.
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