Bank of America vs US Bancorp
BAC and USB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BAC and USB compare
Bank of America is the larger company, worth 3.8 times as much as US Bancorp ($350B against $92.6B).
On earnings, US Bancorp is cheaper: it trades at 11.9× trailing earnings, against 11.9× for Bank of America.
US Bancorp grew revenue faster over the last twelve months (6.7% versus 5.4% for Bank of America).
US Bancorp keeps more of each dollar of sales as profit, with a net margin of 27.5% compared with 26.8% at Bank of America.
Both pay dividends: Bank of America yields 2.3% and US Bancorp 3.5%.
US Bancorp scores higher on the StockData Score (16 against 12 for Bank of America), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BAC | USB |
|---|---|---|
| Size and price | ||
| Market cap | $350B | $92.6B |
| Share price | $50.01 | $59.45 |
| Change, 1 year | −4.9% | 27.5% |
| Change, 5 years | 6.5% | −2.0% |
| Beta (5Y) | 1.11 | 1.05 |
| Employees | 213K | 69K |
| StockData Score | ||
| Total score | 12 | 16 (better) |
| Valuation score | 5 (better) | 2 |
| Growth score | 0 | 1 (better) |
| Performance score | 1 | 4 (better) |
| Health score | 4 | 6 (better) |
| Dividend score | 2 | 3 (better) |
| Valuation | ||
| P/E | 11.9× | 11.9× (better) |
| P/S | 2.9× (better) | 3.1× |
| P/B | 1.2× (better) | 1.4× |
| PEG | 1.95 | 1.53 (better) |
| Fair value | $51.52 | $57.23 |
| Margin of safety | 2.9% (better) | −3.9% |
| Growth | ||
| Revenue growth (TTM) | 5.4% | 6.7% (better) |
| Revenue growth, 5Y average | 5.7% (better) | 4.3% |
| Net income growth (TTM) | 9.8% | 18.4% (better) |
| EPS growth (TTM) | 15.7% | 19.9% (better) |
| EPS growth, 5Y average | 15.3% (better) | 8.6% |
| Profitability | ||
| Net margin | 26.8% | 27.5% (better) |
| Return on equity | 10.8% | 12.7% (better) |
| Financial health | ||
| Debt / equity | – | 0.55 |
| Altman Z-score | 0.22 | 0.29 (better) |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.3% | 3.5% (better) |
| Payout ratio | – | 39.5% |
| Years of dividend growth | 12 | 15 (better) |
| Dividend growth, 5Y average | 8.4% (better) | 4.0% |
| Buyback yield | 7.3% (better) | 0.71% |
| Shareholder yield | 9.6% (better) | 4.2% |
| Ownership | ||
| Held by institutions | 76.8% | 82.2% |
| Held by insiders | 0.15% | 0.22% |
| Insider net buying, 12 months | −$31.1M | −$12.6M (better) |
| Superinvestors holding | 8 (better) | 3 |
| Short interest, % of float | – | 1.7% |
Go deeper
- BAC stock overview
- BAC income statement
- BAC valuation and score
- USB stock overview
- USB income statement
- USB valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.