U.S. Bancorp (USB)vsWashington Trust Bancorp Inc (WASH)
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
WASH
Washington Trust Bancorp Inc
$33.40
+0.54%
FINANCIAL SERVICES · Cap: $666.34M
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 12247% more annual revenue ($26.65B vs $215.81M). USB leads profitability with a 29.3% profit margin vs 24.4%. USB appears more attractively valued with a PEG of 1.83. USB earns a higher WallStSmart Score of 71/100 (B).
USB
Strong Buy71
out of 100
Grade: B
WASH
Buy58
out of 100
Grade: C
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 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 31.9%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
4.8% earnings growth
Smaller company, higher risk/reward
Elevated debt levels
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 29.3% and operating margin at 37.8%.
Bull Case : WASH
The strongest argument for WASH centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 31.9%.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : WASH
The primary concerns for WASH are EPS Growth, Market Cap, Debt/Equity.
Key Dynamics to Monitor
USB profiles as a value stock while WASH is a declining 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 4.6% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 58/100), backed by strong 29.3% 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.
Washington Trust Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Trust Bancorp, Inc. is the banking holding company for The Washington Trust Company of Westerly, offering a variety of banking and financial services to individuals and businesses. The company is headquartered in Westerly, Rhode Island.
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