Greene County Bancorp Inc (GCBC)vsU.S. Bancorp (USB)
GCBC
Greene County Bancorp Inc
$22.18
-0.54%
FINANCIAL SERVICES · Cap: $377.14M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 33932% more annual revenue ($26.35B vs $77.44M). GCBC leads profitability with a 43.6% profit margin vs 28.7%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
GCBC
Strong Buy71
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.3%
Fair Value
$92.66
Current Price
$22.18
$70.48 discount
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
Attractively priced relative to earnings
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 52.1%
Reasonable price relative to book value
Revenue surging 24.7% year-over-year
Earnings expanding 41.4% YoY
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
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : GCBC
The strongest argument for GCBC centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 43.6% and operating margin at 52.1%. Revenue growth of 24.7% demonstrates continued momentum.
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 : GCBC
The primary concerns for GCBC are PEG Ratio, Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, 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 1.04 — expect wider price swings.
GCBC is growing revenue faster at 24.7% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 71/100), backed by strong 28.7% margins. GCBC offers better value entry with a 74.3% margin of safety. 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.
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