U.S. Bancorp (USB)vsZions Bancorporation (ZION)
USB
U.S. Bancorp
$51.89
-0.56%
FINANCIAL SERVICES · Cap: $81.01B
ZION
Zions Bancorporation
$57.20
+1.74%
FINANCIAL SERVICES · Cap: $8.31B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 695% more annual revenue ($26.35B vs $3.31B). USB leads profitability with a 28.7% profit margin vs 27.1%. 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
ZION
Strong Buy73
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
+77.6%
Fair Value
$281.27
Current Price
$57.20
$224.07 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
Strong operational efficiency at 38.8%
Keeps 27 of every $100 in revenue as profit
Earnings expanding 31.4% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
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 : ZION
The strongest argument for ZION centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.1% and operating margin at 38.8%. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : ZION
The primary concerns for ZION are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
ZION is growing revenue faster at 13.6% — 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 73/100), backed by strong 28.7% margins. ZION offers better value entry with a 77.6% 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.
Zions Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Zions Bancorporation is a bank holding company headquartered in Salt Lake City, Utah.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?