WaFd [WAFD] vs U.S. Bancorp [USB] Detailed Stock Comparison

WaFd, Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: WaFd, Inc. wins in 9 metrics, U.S. Bancorp wins in 10 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric WaFd, Inc. U.S. Bancorp Better
P/E Ratio (TTM) 11.54 11.92 WaFd, Inc.
Price-to-Book Ratio 0.98 1.51 WaFd, Inc.
Debt-to-Equity Ratio 1.03 1.21 WaFd, Inc.
PEG Ratio 0.44 0.82 WaFd, Inc.
Profit Margin (TTM) 33.60% 29.29% WaFd, Inc.
Operating Margin (TTM) 45.80% 37.84% WaFd, Inc.
EBITDA Margin (TTM) 45.80% 37.84% WaFd, Inc.
Return on Equity 8.39% 12.35% U.S. Bancorp
Return on Assets (TTM) 0.91% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $208.25M $7.97B U.S. Bancorp
Dividend Yield 4.02% 3.82% WaFd, Inc.
1-Year Return 25.12% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 3.53 3.32 U.S. Bancorp
Enterprise Value $5.33B $126.46B U.S. Bancorp
EV/Revenue Ratio 7.10 4.75 U.S. Bancorp
Revenue per Share (TTM) $10 $17 U.S. Bancorp
Earnings per Share (Diluted) $3.03 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.82 1.03 WaFd, Inc.
Short % of Float 5.47% 0.00% U.S. Bancorp

WaFd, Inc. vs U.S. Bancorp Stock Performance Analysis

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WAFD
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
WaFd, Inc.-2.23%-1.70%0.34%11.55%11.20%10.02%
U.S. Bancorp-2.67%-1.12%-1.16%-0.05%9.90%1.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
WaFd, Inc.25.12%25.74%5.86%44.61%133.33%51.97%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: WaFd, Inc. vs U.S. Bancorp

MetricWAFDUSB
Market Information
Market Cap i$2.65B$88.06B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i811,1729,829,002
90 Day Avg. Volume i797,76710,401,007
Last Close$34.56$53.14
52 Week Range$26.31 - $38.59$42.55 - $61.19
% from 52W High-10.44%-13.16%
All-Time High$39.17 (Nov 07, 2022)$63.57 (Jan 10, 2022)
% from All-Time High-11.77%-16.41%
Growth Metrics
Quarterly Revenue Growth0.09%0.05%
Quarterly Earnings Growth0.17%0.14%
Financial Health
Profit Margin (TTM) i0.34%0.29%
Operating Margin (TTM) i0.46%0.38%
Return on Equity (TTM) i0.08%0.12%
Debt to Equity (MRQ) i1.031.21
Cash & Liquidity
Book Value per Share (MRQ)$35.70$37.54
Cash per Share (MRQ)$9.07$31.14
Operating Cash Flow (TTM) i$219.26M$6.04B
Levered Free Cash Flow (TTM) i$211.44M$7.19B
Dividends
Last 12-Month Dividend Yield i4.02%3.82%
Last 12-Month Dividend i$1.35$2.04

Valuation & Enterprise Metrics Analysis: WaFd, Inc. vs U.S. Bancorp

MetricWAFD (Apr 22, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.5411.92
Forward P/E i10.1910.09
PEG Ratio i0.440.82
Price to Sales (TTM) i3.533.32
Price to Book (MRQ) i0.981.51
Market Capitalization
Market Capitalization i$2.65B$88.06B
Enterprise Value i$5.33B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i7.104.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.821.03
Book Value per Share (MRQ) i$35.70$37.54

Financial Statements Comparison: WaFd, Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricWAFD (2025)USB (2025)
Revenue/Sales i724.86M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i289.64M9.52B
Pre-Tax Income % of Revenue i40.0%33.3%
Income Tax i63.57M1.92B
Income Tax % of Revenue i8.8%6.7%
Net Income (Profit) i226.07M7.60B
Profit Margin i31.2%26.6%

Balance Sheet & Liquidity Metrics

MetricWAFD (2025)USB (2025)
Cash & Equivalents i657.31M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i70.21M60.76B
Long-Term Debt % of Revenue i9.7%212.9%
Total Shareholders Equity i3.04B65.65B
Retained Earnings i2.11B80.91B
Retained Earnings % of Revenue i290.5%283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricWAFD (2025)USB (2025)
Operating Cash Flow i219.26M6.04B
Operating Cash Flow % of Revenue i30.2%21.2%
Capital Expenditures i-27.02MN/A
Free Cash Flow i208.25M7.97B
FCF Margin i28.7%27.9%
Debt Repayment i-12.53B-9.05B
Common Stock Repurchase i-101.93M-489.00M

Short Interest & Institutional Ownership Analysis

MetricWAFDUSB
Shares Short i2.99M27,002
Short Ratio i4.160.00
Short % of Float i5.47%0.00%
Shares Outstanding i73.86M1.56B
Float Shares i72.95M1.55B
% Held by Insiders i1.72%0.14%
% Held by Institutions i85.55%83.55%
% Held by Public i12.73%16.31%

Dividend Analysis & Yield Comparison: WaFd, Inc. vs U.S. Bancorp

MetricWAFDUSB
Last 12-Month Dividend i$1.35$2.04
Last 12-Month Dividend Yield i4.02%3.82%
3-Year Avg Annual Dividend i$1.13$1.98
3-Year Avg Dividend Yield i0.86%1.19%
3-Year Total Dividends i$3.39$5.95
Ex-Dividend DateFeb 13, 2026Dec 31, 2025