TowneBank [TOWN] vs U.S. Bancorp [USB] Detailed Stock Comparison

TowneBank

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: TowneBank wins in 5 metrics, U.S. Bancorp wins in 13 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric TowneBank U.S. Bancorp Better
P/E Ratio (TTM) 14.74 11.36 U.S. Bancorp
Price-to-Book Ratio 1.13 1.36 TowneBank
Debt-to-Equity Ratio 0.16 1.34 TowneBank
PEG Ratio -1.68 0.79 TowneBank
Profit Margin (TTM) 23.41% 27.00% U.S. Bancorp
Operating Margin (TTM) 36.35% 37.33% U.S. Bancorp
EBITDA Margin (TTM) 36.35% 37.33% U.S. Bancorp
Return on Equity 8.07% 11.67% U.S. Bancorp
Return on Assets (TTM) 0.99% 1.01% U.S. Bancorp
Free Cash Flow (TTM) $81.09M $11.27B U.S. Bancorp
Dividend Yield 3.52% 4.60% U.S. Bancorp
1-Year Return -1.38% 1.82% U.S. Bancorp
Price-to-Sales Ratio (TTM) 3.62 2.91 U.S. Bancorp
Enterprise Value $2.61B $101.95B U.S. Bancorp
EV/Revenue Ratio 3.52 3.99 TowneBank
Revenue per Share (TTM) $10 $16 U.S. Bancorp
Earnings per Share (Diluted) $2.31 $4.18 U.S. Bancorp
Beta (Stock Volatility) 0.85 1.08 TowneBank
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

TowneBank vs U.S. Bancorp Stock Performance Analysis

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TowneBank
U.S. Bancorp
TowneBank Stock Overview | U.S. Bancorp Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
TowneBank-3.56%-1.72%-6.24%-5.76%6.48%1.38%
U.S. Bancorp-3.86%-1.69%-4.60%-0.42%19.85%-1.59%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
TowneBank-1.38%15.50%86.59%65.83%120.85%57.68%
U.S. Bancorp1.82%10.15%20.34%15.53%108.96%68.45%

News Based Sentiment: TowneBank vs U.S. Bancorp

TowneBank

News based Sentiment: MIXED

TowneBank experienced a decline in first-quarter earnings in April 2024, but also demonstrated asset growth and maintained its dividend payout. This is coupled with the ongoing strategic acquisition of Dogwood State Bank highlighted in October 2025, creating a mixed investment picture that requires careful monitoring.

View TowneBank News Sentiment Analysis

U.S. Bancorp

News based Sentiment: MIXED

October presented a mixed bag for U.S. Bancorp, with positive developments like a dividend increase and entry into digital asset custody countered by insider selling and a range of analyst opinions. The upcoming earnings release on October 16th will be key to understanding the bank's trajectory.

View U.S. Bancorp News Sentiment Analysis

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

MetricTOWNUSB
Market Information
Market Cap i$2.66B$73.46B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i260,8608,391,430
90 Day Avg. Volume i330,6209,701,660
Last Close$32.48$45.28
52 Week Range$29.43 - $38.28$35.18 - $53.98
% from 52W High-15.15%-16.12%
All-Time High$38.28 (Dec 02, 2024)$63.57 (Jan 10, 2022)
% from All-Time High-15.15%-28.77%
Growth Metrics
Quarterly Revenue Growth0.15%0.03%
Quarterly Earnings Growth-0.09%0.13%
Financial Health
Profit Margin (TTM) i0.23%0.27%
Operating Margin (TTM) i0.36%0.37%
Return on Equity (TTM) i0.08%0.12%
Debt to Equity (MRQ) i0.161.34
Cash & Liquidity
Book Value per Share (MRQ)$30.03$35.02
Cash per Share (MRQ)$3.80$39.85
Operating Cash Flow (TTM) i$165.94M$7.48B
Levered Free Cash Flow (TTM) i$161.76M$5.91B
Dividends
Last 12-Month Dividend Yield i3.52%4.60%
Last 12-Month Dividend i$1.29$1.99

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

MetricTOWNUSB
Price Ratios
P/E Ratio (TTM) i14.7411.36
Forward P/E i13.1910.97
PEG Ratio i-1.680.79
Price to Sales (TTM) i3.622.91
Price to Book (MRQ) i1.131.36
Market Capitalization
Market Capitalization i$2.66B$73.46B
Enterprise Value i$2.61B$101.95B
Enterprise Value Metrics
Enterprise to Revenue i3.523.99
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.851.08
Book Value per Share (MRQ) i$30.03$35.02

Financial Statements Comparison: TowneBank 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)TOWNUSB
Revenue/Sales i$207.44M$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$50.37M$2.16B
Income Tax i$11.10M$443.00M
Net Income (Profit) i$39.27M$1.72B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)TOWNUSB
Cash & Equivalents i$1.32B$50.01B
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$263.23M$59.86B
Total Shareholders Equity i$2.22B$60.56B
Retained Earnings i$1.04B$77.69B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)TOWNUSB
Operating Cash Flow i$134.63M$-750.00M
Capital Expenditures i$-10.04MN/A
Free Cash Flow i$110.64M$-285.00M
Debt Repayment i$-189,000$-2.10B
Common Stock Repurchase iN/A$-160.00M

Short Interest & Institutional Ownership Analysis

MetricTOWNUSB
Shares Short i1.99M22.01M
Short Ratio i4.182.51
Short % of Float iN/A0.01%
Average Daily Volume (10 Day) i260,8608,391,430
Average Daily Volume (90 Day) i330,6209,701,660
Shares Outstanding i75.26M1.56B
Float Shares i68.98M1.55B
% Held by Insiders i0.07%0.00%
% Held by Institutions i0.56%0.82%

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

MetricTOWNUSB
Last 12-Month Dividend i$1.29$1.99
Last 12-Month Dividend Yield i3.52%4.60%
3-Year Avg Annual Dividend i$1.08$1.78
3-Year Avg Dividend Yield i0.85%1.19%
3-Year Total Dividends i$3.23$5.35
Ex-Dividend DateSep 29, 2025Mar 31, 2025