Pathfinder Bancorp Inc (PBHC)vsU.S. Bancorp (USB)
PBHC
Pathfinder Bancorp Inc
$13.12
0.00%
FINANCIAL SERVICES · Cap: $92.13M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 67448% more annual revenue ($26.35B vs $39.02M). USB leads profitability with a 28.7% profit margin vs 5.8%. USB trades at a lower P/E of 11.3x. USB earns a higher WallStSmart Score of 75/100 (B).
PBHC
Avoid33
out of 100
Grade: F
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-64.5%
Fair Value
$8.16
Current Price
$13.12
$4.96 premium
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
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
ROE of 2.9% — below average capital efficiency
5.8% margin — thin
Operating margin of 0.8%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PBHC
The strongest argument for PBHC centers on Price/Book, P/E Ratio.
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 : PBHC
The primary concerns for PBHC are Market Cap, Return on Equity, Profit Margin.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PBHC profiles as a value 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 33/100), 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.
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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