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Truist Financial Corporation (TFC) vs U.S. Bancorp (USB)

Truist Financial Corporation and U.S. Bancorp are both Banks Regional companies. U.S. Bancorp is the larger, with a market value of $93.1B against $59.7B — 1.6× the size. U.S. Bancorp trades at the lower P/E: 11.7× against 12.7×. U.S. Bancorp grew revenue faster over the last twelve months: 3.38% against −5.37%. U.S. Bancorp has the higher net margin (18.4% vs 16.9%) and the higher return on invested capital (9.44% vs 6.19%). Both pay a dividend; Truist Financial Corporation yields more (4.16% vs 3.50%). Across the 19 metrics below, U.S. Bancorp leads on 14 and Truist Financial Corporation on 5.

Valuation

Metric TFC USB Banks Regional median
P/E 12.72 11.71 12.02
P/S 2.10 2.13 2.36
P/B 1.08 1.56 1.23
Price to free cash flow 13.25 7.47 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.86% 8.54% 8.21%
Free cash flow yield 7.55% 13.39% 9.23%

Profitability

Metric TFC USB Banks Regional median
Gross margin 67.41% 68.73% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.91% 18.43% 18.82%
Free cash flow margin 21.06% 0.00% 17.97%
Return on equity 8.41% 13.85% 10.28%
Return on assets 0.89% 1.16% 1.13%
Return on invested capital 6.19% 9.44% 8.45%

Growth

Metric TFC USB Banks Regional median
Revenue growth (TTM) (5.37%) 3.38% 6.37%
EPS growth (last fiscal year) 13.69% 21.90% 18.85%
Revenue growth, 5-year CAGR 4.50% 11.17% 12.65%
Net income growth, 5-year CAGR 3.52% 9.26% 9.81%

Health

Metric TFC USB Banks Regional median
Debt to equity 0.87 0.78 0.17
Current ratio 0.88 0.83 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric TFC USB Banks Regional median
Dividend yield 4.16% 3.50% 2.49%
Payout ratio 0.54 0.41 0.29

Size

Metric TFC USB Banks Regional median
Market cap 59.73b 93.10b 934.85m

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