Merchants Bancorp [MBIN] vs U.S. Bancorp [USB] Detailed Stock Comparison

Merchants Bancorp

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Merchants Bancorp wins in 10 metrics, U.S. Bancorp wins in 8 metrics, with 0 ties. Merchants Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricMerchants BancorpU.S. BancorpBetter
P/E Ratio (TTM)7.0911.50Merchants Bancorp
Price-to-Book Ratio0.901.37Merchants Bancorp
Debt-to-Equity Ratio1.841.34U.S. Bancorp
PEG Ratio-0.120.80Merchants Bancorp
Profit Margin (TTM)42.33%27.00%Merchants Bancorp
Operating Margin (TTM)44.37%37.33%Merchants Bancorp
EBITDA Margin (TTM)44.37%37.33%Merchants Bancorp
Return on Equity12.43%11.67%Merchants Bancorp
Return on Assets (TTM)1.36%1.01%Merchants Bancorp
Free Cash Flow (TTM)$-853.67M$11.27BU.S. Bancorp
Dividend Yield1.44%4.60%U.S. Bancorp
1-Year Return-28.53%2.68%U.S. Bancorp
Price-to-Sales Ratio (TTM)2.472.93Merchants Bancorp
Enterprise Value$4.98B$102.84BU.S. Bancorp
EV/Revenue Ratio8.334.02U.S. Bancorp
Revenue per Share (TTM)$13$16U.S. Bancorp
Earnings per Share (Diluted)$4.54$4.18Merchants Bancorp
Beta (Stock Volatility)1.291.08U.S. Bancorp
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Merchants Bancorp vs U.S. Bancorp Stock Performance Analysis

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Merchants Bancorp
U.S. Bancorp
Merchants Bancorp Stock Overview | U.S. Bancorp Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Merchants Bancorp-0.47%0.85%-2.37%-8.14%-3.90%-10.92%
U.S. Bancorp-0.46%-1.72%-2.36%-0.59%29.08%-0.75%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Merchants Bancorp-28.53%35.43%123.48%186.34%186.34%186.34%
U.S. Bancorp2.68%11.09%21.36%16.51%110.74%69.89%

News Based Sentiment: Merchants Bancorp vs U.S. Bancorp

Merchants Bancorp

News based Sentiment: NEGATIVE

Merchants Bancorp reported mixed Q2 2025 results, with a revenue beat overshadowed by a significant earnings miss and concerns about loan quality. The upcoming Q3 earnings release will be critical in determining whether the bank can address these challenges and improve its financial performance.

View Merchants Bancorp News Sentiment Analysis

U.S. Bancorp

News based Sentiment: MIXED

October saw U.S. Bancorp maintaining a generally positive outlook with a dividend increase and a 'Buy' rating from Wells Fargo. However, this was tempered by institutional selling and insider transactions, creating a mixed investment narrative. The upcoming earnings release will be key to resolving this ambiguity.

View U.S. Bancorp News Sentiment Analysis

Performance & Financial Health Analysis: Merchants Bancorp vs U.S. Bancorp

MetricMBINUSB
Market Information
Market Cap i$1.48B$77.24B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i129,2008,651,060
90 Day Avg. Volume i177,4279,873,513
Last Close$32.07$47.50
52 Week Range$27.25 - $46.78$35.18 - $53.98
% from 52W High-31.45%-12.00%
All-Time High$53.27 (Jul 29, 2024)$63.57 (Jan 10, 2022)
% from All-Time High-39.80%-25.28%
Growth Metrics
Quarterly Revenue Growth-0.16%0.03%
Quarterly Earnings Growth-0.50%0.13%
Financial Health
Profit Margin (TTM) i0.42%0.27%
Operating Margin (TTM) i0.44%0.37%
Return on Equity (TTM) i0.12%0.12%
Debt to Equity (MRQ) i1.841.34
Cash & Liquidity
Book Value per Share (MRQ)$35.60$35.02
Cash per Share (MRQ)$23.35$39.85
Operating Cash Flow (TTM) i$-475,739,008$7.48B
Levered Free Cash Flow (TTM) i$283.65M$5.91B
Dividends
Last 12-Month Dividend Yield i1.44%4.60%
Last 12-Month Dividend i$0.48$1.99

Valuation & Enterprise Metrics Analysis: Merchants Bancorp vs U.S. Bancorp

MetricMBINUSB
Price Ratios
P/E Ratio (TTM) i7.0911.50
Forward P/E i5.7911.10
PEG Ratio i-0.120.80
Price to Sales (TTM) i2.472.93
Price to Book (MRQ) i0.901.37
Market Capitalization
Market Capitalization i$1.48B$77.24B
Enterprise Value i$4.98B$102.84B
Enterprise Value Metrics
Enterprise to Revenue i8.334.02
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.291.08
Book Value per Share (MRQ) i$35.60$35.02

Financial Statements Comparison: Merchants Bancorp vs U.S. Bancorp

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)MBINUSB
Revenue/Sales i$145.09M$6.93B
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$76.50M$2.16B
Income Tax i$18.26M$443.00M
Net Income (Profit) i$58.24M$1.72B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)MBINUSB
Cash & Equivalents i$521.30M$50.01B
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$4.00B$59.86B
Total Shareholders Equity i$2.16B$60.56B
Retained Earnings i$1.37B$77.69B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)MBINUSB
Operating Cash Flow i$113.52M$-750.00M
Capital Expenditures i$-6.86MN/A
Free Cash Flow i$141.18M$-285.00M
Debt Repayment i$-59.02B$-2.10B
Common Stock Repurchase iN/A$-160.00M

Short Interest & Institutional Ownership Analysis

MetricMBINUSB
Shares Short i1.69M22.01M
Short Ratio i8.942.51
Short % of Float i0.06%0.01%
Average Daily Volume (10 Day) i129,2008,651,060
Average Daily Volume (90 Day) i177,4279,873,513
Shares Outstanding i45.77M1.56B
Float Shares i29.30M1.55B
% Held by Insiders i0.44%0.00%
% Held by Institutions i0.34%0.82%

Dividend Analysis & Yield Comparison: Merchants Bancorp vs U.S. Bancorp

MetricMBINUSB
Last 12-Month Dividend i$0.48$1.99
Last 12-Month Dividend Yield i1.44%4.60%
3-Year Avg Annual Dividend i$0.37$1.78
3-Year Avg Dividend Yield i0.26%1.19%
3-Year Total Dividends i$1.12$5.35
Ex-Dividend DateSep 15, 2025Mar 31, 2025