Independent Bank [INDB] vs U.S. Bancorp [USB] Detailed Stock Comparison
Independent Bank
NASDAQ
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Independent Bank wins in 10 metrics, U.S. Bancorp wins in 8 metrics, with 0 ties. Independent Bank appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Independent Bank | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 16.01 | 11.55 | U.S. Bancorp |
| Price-to-Book Ratio | 0.98 | 1.38 | Independent Bank |
| Debt-to-Equity Ratio | 0.27 | 1.34 | Independent Bank |
| PEG Ratio | -19.38 | 0.80 | Independent Bank |
| Profit Margin (TTM) | 28.44% | 27.00% | Independent Bank |
| Operating Margin (TTM) | 41.02% | 37.33% | Independent Bank |
| EBITDA Margin (TTM) | 41.02% | 37.33% | Independent Bank |
| Return on Equity | 6.29% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 0.96% | 1.01% | U.S. Bancorp |
| Free Cash Flow (TTM) | $209.49M | $11.27B | U.S. Bancorp |
| Dividend Yield | 4.61% | 4.60% | Independent Bank |
| 1-Year Return | 12.62% | 6.37% | Independent Bank |
| Price-to-Sales Ratio (TTM) | 5.34 | 2.94 | U.S. Bancorp |
| Enterprise Value | $3.43B | $103.17B | U.S. Bancorp |
| EV/Revenue Ratio | 5.18 | 4.04 | U.S. Bancorp |
| Revenue per Share (TTM) | $16 | $16 | U.S. Bancorp |
| Earnings per Share (Diluted) | $4.43 | $4.18 | Independent Bank |
| Beta (Stock Volatility) | 0.88 | 1.03 | Independent Bank |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Independent Bank vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Independent Bank | -0.54% | 7.35% | 3.55% | 15.95% | 4.65% | 12.26% |
| U.S. Bancorp | -0.25% | 5.12% | 4.59% | 11.97% | 5.85% | 0.88% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Independent Bank | 12.62% | -11.20% | 10.91% | 59.42% | 225.41% | 135.29% |
| U.S. Bancorp | 6.37% | 3.85% | 29.78% | 13.36% | 122.90% | 65.85% |
Performance & Financial Health Analysis: Independent Bank vs U.S. Bancorp
| Metric | INDB | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $3.54B | $75.13B |
| Market Cap Category | Mid cap | Large cap |
| 10 Day Avg. Volume | 324,600 | 7,851,820 |
| 90 Day Avg. Volume | 391,790 | 9,983,033 |
| Last Close | $70.56 | $48.16 |
| 52 Week Range | $52.15 - $77.23 | $35.18 - $53.98 |
| % from 52W High | -8.64% | -10.78% |
| All-Time High | $99.85 (Mar 08, 2021) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -29.33% | -24.24% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.05% | 0.03% |
| Quarterly Earnings Growth | 0.00% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.28% | 0.27% |
| Operating Margin (TTM) | 0.41% | 0.37% |
| Return on Equity (TTM) | 0.06% | 0.12% |
| Debt to Equity (MRQ) | 0.27 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $72.13 | $35.02 |
| Cash per Share (MRQ) | $18.94 | $39.85 |
| Operating Cash Flow (TTM) | $233.19M | $7.48B |
| Levered Free Cash Flow (TTM) | $192.08M | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.61% | 4.60% |
| Last 12-Month Dividend | $2.89 | $1.99 |
Valuation & Enterprise Metrics Analysis: Independent Bank vs U.S. Bancorp
| Metric | INDB | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 16.01 | 11.55 |
| Forward P/E | 13.72 | 11.15 |
| PEG Ratio | -19.38 | 0.80 |
| Price to Sales (TTM) | 5.34 | 2.94 |
| Price to Book (MRQ) | 0.98 | 1.38 |
| Market Capitalization | ||
| Market Capitalization | $3.54B | $75.13B |
| Enterprise Value | $3.43B | $103.17B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.18 | 4.04 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.88 | 1.03 |
| Book Value per Share (MRQ) | $72.13 | $35.02 |
Financial Statements Comparison: Independent Bank vs U.S. Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | INDB | USB |
|---|---|---|
| Revenue/Sales | $176.11M | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $57.17M | $2.16B |
| Income Tax | $12.74M | $443.00M |
| Net Income (Profit) | $44.42M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | INDB | USB |
|---|---|---|
| Cash & Equivalents | $901.23M | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $759.43M | $59.86B |
| Total Shareholders Equity | $3.07B | $60.56B |
| Retained Earnings | $1.22B | $77.69B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | INDB | USB |
|---|---|---|
| Operating Cash Flow | $-438,000 | $-750.00M |
| Capital Expenditures | $-2.03M | N/A |
| Free Cash Flow | $11.31M | $-285.00M |
| Debt Repayment | $-138.00M | $-2.10B |
| Common Stock Repurchase | N/A | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | INDB | USB |
|---|---|---|
| Shares Short | 1.77M | 21.33M |
| Short Ratio | 3.44 | 1.70 |
| Short % of Float | 0.05% | 0.01% |
| Average Daily Volume (10 Day) | 324,600 | 7,851,820 |
| Average Daily Volume (90 Day) | 391,790 | 9,983,033 |
| Shares Outstanding | 42.42M | 1.56B |
| Float Shares | 48.76M | 1.55B |
| % Held by Insiders | 0.01% | 0.00% |
| % Held by Institutions | 0.80% | 0.82% |
Dividend Analysis & Yield Comparison: Independent Bank vs U.S. Bancorp
| Metric | INDB | USB |
|---|---|---|
| Last 12-Month Dividend | $2.89 | $1.99 |
| Last 12-Month Dividend Yield | 4.61% | 4.60% |
| 3-Year Avg Annual Dividend | $2.24 | $1.78 |
| 3-Year Avg Dividend Yield | 0.96% | 1.19% |
| 3-Year Total Dividends | $6.72 | $5.35 |
| Ex-Dividend Date | Jun 30, 2025 | Mar 31, 2025 |