Auburn National Bancorporation Inc (AUBN)vsU.S. Bancorp (USB)
AUBN
Auburn National Bancorporation Inc
$25.75
0.00%
FINANCIAL SERVICES · Cap: $92.33M
USB
U.S. Bancorp
$60.64
-1.96%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 81783% more annual revenue ($27.89B vs $34.06M). USB leads profitability with a 30.0% profit margin vs 24.6%. USB appears more attractively valued with a PEG of 1.79. USB earns a higher WallStSmart Score of 73/100 (B).
AUBN
Buy63
out of 100
Grade: C+
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.3%
Keeps 25 of every $100 in revenue as profit
Earnings expanding 26.5% YoY
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AUBN
The strongest argument for AUBN centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.6% and operating margin at 32.3%. Revenue growth of 12.4% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : AUBN
The primary concerns for AUBN are Market Cap, PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.02 — expect wider price swings.
AUBN is growing revenue faster at 12.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (73/100 vs 63/100), backed by strong 30.0% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Auburn National Bancorporation Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Auburn National Bancorporation, Inc. is the banking holding company for AuburnBank offering various banking products and services in East Alabama. The company is headquartered in Auburn, Alabama.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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