U.S. Bancorp (USB)vsWSFS Financial Corporation (WSFS)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
WSFS
WSFS Financial Corporation
$64.86
+0.32%
FINANCIAL SERVICES · Cap: $3.53B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2492% more annual revenue ($26.35B vs $1.02B). USB leads profitability with a 28.7% profit margin vs 28.3%. WSFS appears more attractively valued with a PEG of 0.98. WSFS earns a higher WallStSmart Score of 75/100 (B+).
USB
Strong Buy75
out of 100
Grade: B
WSFS
Strong Buy75
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
+70.4%
Fair Value
$228.44
Current Price
$64.86
$163.58 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
Reasonable price relative to book value
Strong operational efficiency at 38.0%
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 23.8% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
2.3% revenue growth
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 : WSFS
The strongest argument for WSFS centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 28.3% and operating margin at 38.0%. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : WSFS
The primary concerns for WSFS are Revenue Growth.
Key Dynamics to Monitor
USB profiles as a mature stock while WSFS is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
USB is growing revenue faster at 5.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 75/100), backed by strong 28.7% margins. WSFS offers better value entry with a 70.4% 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.
WSFS Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
WSFS Financial Corporation is the savings and loan holding company of the Wilmington Savings Fund Society, FSB, which offers various banking services in the United States. The company is headquartered in Wilmington, Delaware.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?