Greene County Bancorp Inc (GCBC)vsU.S. Bancorp (USB)
GCBC
Greene County Bancorp Inc
$35.87
-1.97%
FINANCIAL SERVICES · Cap: $588.57M
USB
U.S. Bancorp
$60.49
-0.99%
FINANCIAL SERVICES · Cap: $92.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 30697% more annual revenue ($27.89B vs $90.55M). GCBC leads profitability with a 45.3% profit margin vs 30.0%. USB appears more attractively valued with a PEG of 1.44. USB earns a higher WallStSmart Score of 75/100 (B).
GCBC
Strong Buy66
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 57.2%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
19.8% revenue growth
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
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : GCBC
The strongest argument for GCBC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 45.3% and operating margin at 57.2%. Revenue growth of 19.8% 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%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : GCBC
The primary concerns for GCBC are PEG Ratio, Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
GCBC profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
GCBC is growing revenue faster at 19.8% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 66/100), backed by strong 30.0% margins. Both earn "Strong Buy" and "Strong 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.
Greene County Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Greene County Bancorp, Inc. is a holding company for The Bank of Greene County providing various financial services.
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?