U.S. Bancorp (USB)vsWoori Financial Group Inc (WF)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
WF
Woori Financial Group Inc
$66.88
+1.09%
FINANCIAL SERVICES · Cap: $16.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Woori Financial Group Inc generates 37704% more annual revenue ($9.96T vs $26.35B). WF leads profitability with a 31.4% profit margin vs 28.7%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
USB
Strong Buy75
out of 100
Grade: B
WF
Buy62
out of 100
Grade: C+
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
-40.5%
Fair Value
$54.81
Current Price
$66.88
$12.07 premium
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
Keeps 31 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 27.8%
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Earnings declined 23.8%
Negative free cash flow — burning cash
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 : WF
The strongest argument for WF centers on P/E Ratio, Profit Margin, Price/Book. Profitability is solid with margins at 31.4% and operating margin at 27.8%.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : WF
The primary concerns for WF are PEG Ratio, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
WF is growing revenue faster at 5.7% — 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 62/100), backed by strong 28.7% 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.
Woori Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Woori Financial Group Inc. is a commercial bank providing a range of financial services to individual, commercial and institutional clients in Korea. The company is headquartered in Seoul, South Korea.
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