VOL. XCIV, NO. 247

* MOAT STOCKS COMPARISON *

NO ADVICE

Friday, December 26, 2025

Stock Comparison

Apple Inc. vs U.S. Bancorp

Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.

Apple Inc.

AAPL · NASDAQ

Market cap (USD)$3T
SectorTechnology
CountryUS
Data as of2025-12-20
Moat score
87/ 100

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

View full moat analysis >

U.S. Bancorp

USB · New York Stock Exchange

Market cap (USD)$85.5B
SectorFinancials
CountryUS
Data as of2025-12-23
Moat score
62/ 100

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

View full moat analysis >

Side-by-side metrics

Apple Inc.
U.S. Bancorp
Ticker / Exchange
AAPL - NASDAQ
USB - New York Stock Exchange
Market cap (USD)
$3T
$85.5B
Sector
Technology
Financials
HQ country
US
US
Primary segment
iPhone
Wealth, Corporate, Commercial and Institutional Banking
Market structure
Oligopoly
Competitive
Market share
14%-17% (reported)
n/a
HHI estimate
n/a
n/a
Pricing power
Strong
Moderate
Moat score
87 / 100
62 / 100
Moat domains
Demand, Network, Supply
Demand, Supply, Legal, Financial
Last update
2025-12-20
2025-12-23

Moat coverage

Shared moat types

Scale Economies Unit Cost

Apple Inc. strengths

Brand TrustEcosystem ComplementsSwitching Costs GeneralDefault OS GatewayTwo Sided NetworkInstalled Base Consumables

U.S. Bancorp strengths

Data Workflow LockinScope EconomiesCompliance AdvantagePhysical Network DensityHabit DefaultCost Of Capital AdvantageSuite Bundling

Segment mix

Apple Inc. segments

Full profile >

iPhone

Oligopoly

50.4%

Mac

Oligopoly

8.1%

iPad

Oligopoly

6.7%

Wearables, Home and Accessories

Competitive

8.6%

Services

Quasi-Monopoly

26.2%

U.S. Bancorp segments

Full profile >

Wealth, Corporate, Commercial and Institutional Banking

Competitive

42.8%

Consumer and Business Banking

Oligopoly

32.5%

Payment Services

Oligopoly

24.7%

Curation & Accuracy

This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).

Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.