U.S. Bancorp (NYSE:USB) and BNCCORP (OTCMKTS:BNCC) Head-To-Head Analysis

BNCCORP (OTCMKTS:BNCC) and U.S. Bancorp (NYSE:USB) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, dividends, earnings, risk, analyst recommendations, profitability and valuation.

Risk & Volatility

BNCCORP has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500. Comparatively, U.S. Bancorp has a beta of 1.04, meaning that its stock price is 4% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and price targets for BNCCORP and U.S. Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BNCCORP	0	0	0	0	N/A
U.S. Bancorp	0	12	7	0	2.37

U.S. Bancorp has a consensus target price of $48.23, suggesting a potential upside of 4.51%. Given U.S. Bancorp’s higher possible upside, analysts plainly believe U.S. Bancorp is more favorable than BNCCORP.

Insider and Institutional Ownership

77.6% of U.S. Bancorp shares are held by institutional investors. 28.4% of BNCCORP shares are held by insiders. Comparatively, 0.2% of U.S. Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Profitability

This table compares BNCCORP and U.S. Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BNCCORP	14.18%	7.00%	0.77%
U.S. Bancorp	12.55%	13.34%	0.97%

Valuation and Earnings

This table compares BNCCORP and U.S. Bancorp’s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BNCCORP	$53.28 million	1.71	$5.70 million	$1.67	15.41
U.S. Bancorp	$27.25 billion	2.64	$5.43 billion	$3.02	15.28

U.S. Bancorp has higher revenue and earnings than BNCCORP. U.S. Bancorp is trading at a lower price-to-earnings ratio than BNCCORP, indicating that it is currently the more affordable of the two stocks.

Summary

U.S. Bancorp beats BNCCORP on 10 of the 13 factors compared between the two stocks.

About BNCCORP

BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. The company offers commercial banking services, including business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-market businesses. It also provides retail and mortgage banking services, such as personal checking and savings products, personal loans, and card services; and residential loans through a consumer direct channel, as well as a retail channel. In addition, the company offers wealth management solutions, including 401(k) and other retirement plans, trust services, and personal wealth advisory services. It offers community banking and wealth management services through 11 locations in Arizona and North Dakota; and mortgage banking services through 7 locations in Arizona, North Dakota, Illinois, and Kansas. The company was incorporated in 1987 and is headquartered in Bismarck, North Dakota.

About U.S. Bancorp

U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States. It operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers. In addition, the company offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. Further, it provides investment and insurance products to its customers principally within its domestic markets, as well as fund administration services to mutual and other funds. Additionally, the company provides corporate and purchasing card, and corporate trust services. Furthermore, it offers trust and investment management, merchant and ATM processing, mortgage banking, insurance, and brokerage and leasing services. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.