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US BANCORP (USB) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:USB - US9029733048 - Common Stock

54.5 USD
-0.49 (-0.89%)
Last: 12/29/2025, 8:23:32 PM
54.7 USD
+0.2 (+0.37%)
After Hours: 12/29/2025, 8:23:32 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to USB. USB was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of USB have multiple concerns. USB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year USB was profitable.
USB had a positive operating cash flow in the past year.
Each year in the past 5 years USB has been profitable.
Each year in the past 5 years USB had a positive operating cash flow.
USB Yearly Net Income VS EBIT VS OCF VS FCFUSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

USB's Return On Assets of 0.98% is in line compared to the rest of the industry. USB outperforms 58.25% of its industry peers.
With a decent Return On Equity value of 10.75%, USB is doing good in the industry, outperforming 72.16% of the companies in the same industry.
Industry RankSector Rank
ROA 0.98%
ROE 10.75%
ROIC N/A
ROA(3y)0.82%
ROA(5y)0.92%
ROE(3y)10.02%
ROE(5y)10.52%
ROIC(3y)N/A
ROIC(5y)N/A
USB Yearly ROA, ROE, ROICUSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 24.16%, USB perfoms like the industry average, outperforming 49.23% of the companies in the same industry.
USB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for USB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.56%
PM growth 5Y-5.56%
GM growth 3YN/A
GM growth 5YN/A
USB Yearly Profit, Operating, Gross MarginsUSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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0

2. Health

2.1 Basic Checks

USB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, USB has about the same amount of shares outstanding.
The number of shares outstanding for USB has been increased compared to 5 years ago.
Compared to 1 year ago, USB has a worse debt to assets ratio.
USB Yearly Shares OutstandingUSB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
USB Yearly Total Debt VS Total AssetsUSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

USB has a debt to FCF ratio of 7.88. This is a slightly negative value and a sign of low solvency as USB would need 7.88 years to pay back of all of its debts.
With a Debt to FCF ratio value of 7.88, USB is not doing good in the industry: 77.06% of the companies in the same industry are doing better.
USB has a Debt/Equity ratio of 1.23. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.23, USB is not doing good in the industry: 86.34% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF 7.88
Altman-Z N/A
ROIC/WACCN/A
WACC13.38%
USB Yearly LT Debt VS Equity VS FCFUSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
USB Yearly Current Assets VS Current LiabilitesUSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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4

3. Growth

3.1 Past

USB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.59%, which is quite good.
USB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.
USB shows a small growth in Revenue. In the last year, the Revenue has grown by 4.04%.
The Revenue has been growing slightly by 3.62% on average over the past years.
EPS 1Y (TTM)13.59%
EPS 3Y-7.93%
EPS 5Y-1.63%
EPS Q2Q%18.45%
Revenue 1Y (TTM)4.04%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%6.83%

3.2 Future

The Earnings Per Share is expected to grow by 7.43% on average over the next years.
Based on estimates for the next years, USB will show a small growth in Revenue. The Revenue will grow by 4.40% on average per year.
EPS Next Y15.19%
EPS Next 2Y11.77%
EPS Next 3Y11.54%
EPS Next 5Y7.43%
Revenue Next Year4.05%
Revenue Next 2Y4.29%
Revenue Next 3Y4.4%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
USB Yearly Revenue VS EstimatesUSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10B 20B 30B
USB Yearly EPS VS EstimatesUSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.30, the valuation of USB can be described as correct.
USB's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.84. USB is valued rather cheaply when compared to this.
USB is valuated reasonably with a Price/Forward Earnings ratio of 10.96.
USB's Price/Forward Earnings ratio is in line with the industry average.
USB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.40.
Industry RankSector Rank
PE 12.3
Fwd PE 10.96
USB Price Earnings VS Forward Price EarningsUSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, USB is valued a bit cheaper than the industry average as 76.29% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.57
EV/EBITDA N/A
USB Per share dataUSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.81
PEG (5Y)N/A
EPS Next 2Y11.77%
EPS Next 3Y11.54%

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6

5. Dividend

5.1 Amount

USB has a Yearly Dividend Yield of 3.79%.
Compared to an average industry Dividend Yield of 2.74, USB pays a bit more dividend than its industry peers.
USB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
Industry RankSector Rank
Dividend Yield 3.79%

5.2 History

The dividend of USB has a limited annual growth rate of 4.83%.
USB has paid a dividend for at least 10 years, which is a reliable track record.
USB has decreased its dividend recently.
Dividend Growth(5Y)4.83%
Div Incr Years1
Div Non Decr Years1
USB Yearly Dividends per shareUSB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

51.09% of the earnings are spent on dividend by USB. This is a bit on the high side, but may be sustainable.
USB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP51.09%
EPS Next 2Y11.77%
EPS Next 3Y11.54%
USB Yearly Income VS Free CF VS DividendUSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B
USB Dividend Payout.USB Dividend Payout, showing the Payout Ratio.USB Dividend Payout.PayoutRetained Earnings

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US BANCORP

NYSE:USB (12/29/2025, 8:23:32 PM)

After market: 54.7 +0.2 (+0.37%)

54.5

-0.49 (-0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16/bmo
Earnings (Next)01-20 2026-01-20/amc
Inst Owners81.22%
Inst Owner Change-1.67%
Ins Owners0.07%
Ins Owner Change-0.62%
Market Cap84.81B
Revenue(TTM)28.18B
Net Income(TTM)6.81B
Analysts76.55
Price Target58.55 (7.43%)
Short Float %1.31%
Short Ratio2.34
Dividend
Industry RankSector Rank
Dividend Yield 3.79%
Yearly Dividend2.21
Dividend Growth(5Y)4.83%
DP51.09%
Div Incr Years1
Div Non Decr Years1
Ex-Date12-31 2025-12-31 (0.52)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.11%
Min EPS beat(2)2.83%
Max EPS beat(2)7.4%
EPS beat(4)4
Avg EPS beat(4)3.71%
Min EPS beat(4)0.45%
Max EPS beat(4)7.4%
EPS beat(8)7
Avg EPS beat(8)2.85%
EPS beat(12)10
Avg EPS beat(12)2.34%
EPS beat(16)13
Avg EPS beat(16)1.84%
Revenue beat(2)1
Avg Revenue beat(2)-0.53%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)0.95%
Revenue beat(4)1
Avg Revenue beat(4)-0.78%
Min Revenue beat(4)-2.01%
Max Revenue beat(4)0.95%
Revenue beat(8)1
Avg Revenue beat(8)-0.98%
Revenue beat(12)1
Avg Revenue beat(12)-1.39%
Revenue beat(16)2
Avg Revenue beat(16)-1.23%
PT rev (1m)3.21%
PT rev (3m)7.09%
EPS NQ rev (1m)0.41%
EPS NQ rev (3m)4.41%
EPS NY rev (1m)0.18%
EPS NY rev (3m)3.43%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)1.2%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.98%
Valuation
Industry RankSector Rank
PE 12.3
Fwd PE 10.96
P/S 3.01
P/FCF 8.57
P/OCF 8.57
P/B 1.34
P/tB 1.86
EV/EBITDA N/A
EPS(TTM)4.43
EY8.13%
EPS(NY)4.97
Fwd EY9.12%
FCF(TTM)6.36
FCFY11.67%
OCF(TTM)6.36
OCFY11.67%
SpS18.11
BVpS40.7
TBVpS29.27
PEG (NY)0.81
PEG (5Y)N/A
Graham Number63.69
Profitability
Industry RankSector Rank
ROA 0.98%
ROE 10.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.16%
GM N/A
FCFM 35.13%
ROA(3y)0.82%
ROA(5y)0.92%
ROE(3y)10.02%
ROE(5y)10.52%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.56%
PM growth 5Y-5.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF 7.88
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.37%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.38%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)247.31%
Profit Quality(5y)190.42%
High Growth Momentum
Growth
EPS 1Y (TTM)13.59%
EPS 3Y-7.93%
EPS 5Y-1.63%
EPS Q2Q%18.45%
EPS Next Y15.19%
EPS Next 2Y11.77%
EPS Next 3Y11.54%
EPS Next 5Y7.43%
Revenue 1Y (TTM)4.04%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%6.83%
Revenue Next Year4.05%
Revenue Next 2Y4.29%
Revenue Next 3Y4.4%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-33.64%
FCF growth 3Y4.53%
FCF growth 5Y18.19%
OCF growth 1Y-33.64%
OCF growth 3Y4.53%
OCF growth 5Y18.19%

US BANCORP / USB FAQ

Can you provide the ChartMill fundamental rating for US BANCORP?

ChartMill assigns a fundamental rating of 3 / 10 to USB.


What is the valuation status for USB stock?

ChartMill assigns a valuation rating of 5 / 10 to US BANCORP (USB). This can be considered as Fairly Valued.


How profitable is US BANCORP (USB) stock?

US BANCORP (USB) has a profitability rating of 3 / 10.


How financially healthy is US BANCORP?

The financial health rating of US BANCORP (USB) is 0 / 10.


What is the earnings growth outlook for US BANCORP?

The Earnings per Share (EPS) of US BANCORP (USB) is expected to grow by 15.19% in the next year.