Pathfinder Bancorp Inc (PBHC)vsU.S. Bancorp (USB)
PBHC
Pathfinder Bancorp Inc
$14.10
+3.30%
FINANCIAL SERVICES · Cap: $94.03M
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 88806% more annual revenue ($26.65B vs $29.97M). USB leads profitability with a 29.3% profit margin vs -8.3%. USB earns a higher WallStSmart Score of 71/100 (B).
PBHC
Hold37
out of 100
Grade: F
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 27.1%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
4.5% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
ROE of -3.2% — below average capital efficiency
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PBHC
The strongest argument for PBHC centers on Price/Book, Operating Margin.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : PBHC
The primary concerns for PBHC are EPS Growth, Market Cap, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
PBHC profiles as a turnaround stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 4.6% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 37/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Pathfinder Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Pathfinder Bancorp, Inc. is a portfolio company of Pathfinder Bank offering various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company is headquartered in Oswego, 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.
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