VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Thursday, January 8, 2026

Stock Comparison

Texas Roadhouse, Inc. vs U.S. Bancorp

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

Texas Roadhouse, Inc.

TXRH · NASDAQ Global Select Market

Market cap (USD)$11.6B
Gross margin (TTM)16.7%
Operating margin (TTM)8.9%
Net margin (TTM)7.5%
SectorConsumer
IndustryRestaurants
CountryUS
Data as of2026-01-06
Moat score
66/ 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 Texas Roadhouse, Inc.'s moat claims, evidence, and risks.

View TXRH analysis

U.S. Bancorp

USB · New York Stock Exchange

Market cap (USD)$86.3B
Gross margin (TTM)61.1%
Operating margin (TTM)21.4%
Net margin (TTM)16.9%
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: Texas Roadhouse, Inc. leads (66 / 100 vs 62 / 100 for U.S. Bancorp).
  • Segment focus: Texas Roadhouse, Inc. has 3 segments (93.8% in Texas Roadhouse); U.S. Bancorp has 3 segments (42.8% in Wealth, Corporate, Commercial and Institutional Banking).
  • Moat breadth: Texas Roadhouse, Inc. has 4 moat types across 3 domains; U.S. Bancorp has 8 across 4.

Primary market context

Texas Roadhouse, Inc.

Texas Roadhouse

Market

Casual dining steakhouse restaurants

Geography

United States (plus international via franchise)

Customer

Consumers

Role

Restaurant operator & franchisor

Revenue share

93.8%

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

Texas Roadhouse, Inc.
U.S. Bancorp
Ticker / Exchange
TXRH - NASDAQ Global Select Market
USB - New York Stock Exchange
Market cap (USD)
$11.6B
$86.3B
Gross margin (TTM)
16.7%
61.1%
Operating margin (TTM)
8.9%
21.4%
Net margin (TTM)
7.5%
16.9%
Sector
Consumer
Financials
Industry
Restaurants
Banks - Regional
HQ country
US
US
Primary segment
Texas Roadhouse
Wealth, Corporate, Commercial and Institutional Banking
Market structure
Competitive
Competitive
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
66 / 100
62 / 100
Moat domains
Demand, Supply, Legal
Demand, Supply, Legal, Financial
Last update
2026-01-06
2025-12-23

Moat coverage

Shared moat types

Habit Default

Texas Roadhouse, Inc. strengths

Brand TrustOperational ExcellenceIP Choke Point

U.S. Bancorp strengths

Data Workflow LockinScope EconomiesCompliance AdvantagePhysical Network DensityCost Of Capital AdvantageScale Economies Unit CostSuite Bundling

Segment mix

Texas Roadhouse, Inc. segments

Full profile >

Texas Roadhouse

Competitive

93.8%

Bubba's 33

Competitive

5.6%

Other (Jaggers + retail initiatives)

Competitive

0.6%

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?

Browse the full ranking of wide moat stocks, updated with moat scores and segment context.

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Proven models entering the expansion stage with unit economics that work.

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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.