Generations Bancorp NY Inc (GBNY)vsU.S. Bancorp (USB)
GBNY
Generations Bancorp NY Inc
$14.95
0.00%
FINANCIAL SERVICES · Cap: $34.07M
USB
U.S. Bancorp
$51.89
-0.58%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 344442% more annual revenue ($26.35B vs $7.65M). USB leads profitability with a 28.7% profit margin vs -62.4%. USB earns a higher WallStSmart Score of 75/100 (B).
GBNY
Avoid21
out of 100
Grade: F
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for GBNY.
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
ROE of -13.1% — below average capital efficiency
Revenue declined 34.0%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : GBNY
The strongest argument for GBNY centers on Price/Book.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : GBNY
The primary concerns for GBNY are Market Cap, Piotroski F-Score, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
GBNY profiles as a turnaround stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
USB is growing revenue faster at 5.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 21/100), backed by strong 28.7% margins. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Generations Bancorp NY Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Generations Bancorp NY, Inc. is a portfolio company of Generations Bank offering various banking products and services. The company is headquartered in Seneca Falls, New York.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?