VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Stock Comparison

The Charles Schwab Corporation vs U.S. Bancorp

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

The Charles Schwab Corporation

SCHW · New York Stock Exchange

Market cap (USD)$170.7B
Gross margin (TTM)84.7%
Operating margin (TTM)43.3%
Net margin (TTM)32%
SectorFinancials
IndustryFinancial - Capital Markets
CountryUS
Data as of2025-12-26
Moat score
74/ 100

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

Full stock profile

Dive deeper into The Charles Schwab Corporation's moat claims, evidence, and risks.

View SCHW analysis

U.S. Bancorp

USB · New York Stock Exchange

Market cap (USD)$91.2B
Gross margin (TTM)62.8%
Operating margin (TTM)22.2%
Net margin (TTM)17.7%
SectorFinancials
IndustryBanks - Regional
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.

Full stock profile

Dive deeper into U.S. Bancorp's moat claims, evidence, and risks.

View USB analysis

Comparison highlights

  • Moat score gap: The Charles Schwab Corporation leads (74 / 100 vs 62 / 100 for U.S. Bancorp).
  • Segment focus: The Charles Schwab Corporation has 2 segments (79.4% in Investor Services); U.S. Bancorp has 3 segments (42.8% in Wealth, Corporate, Commercial and Institutional Banking).
  • Primary market structure: Oligopoly vs Competitive. Pricing power: Weak vs Moderate.
  • Moat breadth: The Charles Schwab Corporation has 7 moat types across 4 domains; U.S. Bancorp has 8 across 4.

Primary market context

The Charles Schwab Corporation

Investor Services

Market

U.S. retail brokerage, self-directed investing, and wealth management platforms

Geography

United States

Customer

Retail investors, employers, retirement plan sponsors

Role

Broker-dealer + bank + wealth manager platform

Revenue share

79.4%

U.S. Bancorp

Wealth, Corporate, Commercial and Institutional Banking

Market

U.S. corporate, commercial, institutional and wealth banking & advisory services

Geography

United States

Customer

Commercial, institutional, government and wealth clients

Role

Bank / financial intermediary

Revenue share

42.8%

Side-by-side metrics

The Charles Schwab Corporation
U.S. Bancorp
Ticker / Exchange
SCHW - New York Stock Exchange
USB - New York Stock Exchange
Market cap (USD)
$170.7B
$91.2B
Gross margin (TTM)
84.7%
62.8%
Operating margin (TTM)
43.3%
22.2%
Net margin (TTM)
32%
17.7%
Sector
Financials
Financials
Industry
Financial - Capital Markets
Banks - Regional
HQ country
US
US
Primary segment
Investor Services
Wealth, Corporate, Commercial and Institutional Banking
Market structure
Oligopoly
Competitive
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Weak
Moderate
Moat score
74 / 100
62 / 100
Moat domains
Supply, Demand, Financial, Network
Demand, Supply, Legal, Financial
Last update
2025-12-26
2025-12-23

Moat coverage

Shared moat types

Scale Economies Unit CostSuite BundlingData Workflow Lockin

The Charles Schwab Corporation strengths

Brand TrustFloat PrepaymentEcosystem ComplementsService Field Network

U.S. Bancorp strengths

Scope EconomiesCompliance AdvantagePhysical Network DensityHabit DefaultCost Of Capital Advantage

Segment mix

The Charles Schwab Corporation segments

Full profile >

Investor Services

Oligopoly

79.4%

Advisor Services

Oligopoly

20.6%

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%

Want the full wide moat stocks list?

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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.