RJF vs USB
Raymond James Financial vs U.S. Bancorp — AI-powered side-by-side comparison
RJF
Raymond James Financial
57
Watch
VS
| Metric | RJF | USB |
|---|
| AI Score |
57
|
65
|
| Price |
$156.75
|
$58.73
|
| P/E Ratio |
13.46×
|
11.19×
|
| ROE |
17.1%
|
11.6%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
83.5%
|
64.7%
|
| Debt / Equity |
0.42×
|
1.10×
|
| Dividend Yield |
1.4%
|
3.7%
|
| RSI (14) |
38.6
|
47.7
|
| Beta |
0.946
|
1.019
|
| Expected Upside |
+2.2%
|
—
|
AI Committee View
Current Innellis committee reasoning for RJF versus USB.
USB leads by 8 points.
USB scores 65/100 (Buy) versus RJF at 57/100 (Watch).
RJF Committee View
67% agreement
6 analysts
Supporting evidence favours the bullish case. The main limiting factor is sector concentration is already high (hhi 2739.42). The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 12.9 is inexpensive for the broad market — Value
- ROE of 18.3% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- Debt-to-equity of 5.14 adds balance-sheet risk to the value case — Value
- High leverage (debt-to-equity 5.14) amplifies downside in a stress scenario — Risk
- Current ratio of 0.28 is tight -- limited short-term liquidity cushion — Risk
USB Committee View
80% agreement
5 analysts
The committee is genuinely divided. Value Analyst sees a compelling case — p/e of 10.8 is inexpensive for the broad market. Portfolio Manager remains cautious — sector concentration is already high (hhi 2739.42). This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- P/E of 10.8 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Dividend yield of 5.2% pays you to wait — Value
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth