BAC vs USB

	BAC Bank Of America Corp	USB Us Bancorp De
Price	$51.08	$60.02
Sector	Financials	Financials
X-Ray Score	48	63
Valuation	58	86
Growth	39	28
Profitability	43	53
Financial health	53	80
Dividends	47	65
Fair value	$56	$73
Verdict	Fair +10%	Undervalued +21%
Revenue (TTM)	$121.1B	$29.7B
Operating margin	36.2%	34.4%
Return on capital	8.0%	21.4%
Revenue growth (3y)	6.0%	5.6%
Free-cash-flow yield	–	–
Net debt / EBITDA	2.6×	-2.9×
Dividend yield	2.3%	3.5%

Scores and fair values are model estimates from SEC filings, ranked within each company's own sector, so scores of companies in different sectors are not directly comparable. Educational only, not financial advice.