COMP <GO>
USB vs BAC // PIOTROSKI F-SCORE QUALITY
U.S. Bancorp (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: USB 7
— BAC 6
▲ PIOTROSKI F-SCORE QUALITY LEADER: USB
LAST: $59.45 (-1.96%) • MKT CAP: $94.48B
piotroski-score
8/9
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
piotroski-score
7/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (USB VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | USB | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.00% | 2.50% | +0.50 | USB | /roic <GO> |
| EV/EBITDA & P/E Valuation | 26.6x | 30.2x | -3.60 | USB | /valuation <GO> |
| Free Cash Flow Yield | 7.07% | 2.10% | +4.97 | USB | /fcf-yield <GO> |
| Operating Margin | 32.20% | 32.90% | -0.70 | BAC | /operating-margins <GO> |
| Net Profit Margin | 26.40% | 27.00% | -0.60 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 4.40% | 6.80% | -2.40 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.35% | 0.00% | +3.35 | USB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.45 | 0.00 | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 8/9 | 7/9 | +1.00 | USB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.80% | 6.60% | +0.20 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.0 | 27.7 | +24.35 | USB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 0.90 | +0.06 | USB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.6x | 10.9x | +0.70 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $94.48B | $357.61B | -$263.13B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | USB REV | BAC REV | USB GROSS % | BAC GROSS % | USB FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $28.66B | $113.10B | 44.0% | 44.0% | $6.68B | $7.52B |
| FY 2024 | $27.45B | $105.86B | 44.0% | 44.0% | $10.11B | -$13.57B |
| FY 2023 | $28.14B | $102.77B | 44.0% | 44.0% | $7.13B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
USB // BETA 0.96
BAC // BETA 0.90