US BANCORP (USB) Fundamental Analysis & Valuation
NYSE:USB • US9029733048
Current stock price
55.58 USD
-1.05 (-1.85%)
At close:
55.58 USD
0 (0%)
After Hours:
This USB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. USB Profitability Analysis
1.1 Basic Checks
- USB had positive earnings in the past year.
- In the past year USB had a positive cash flow from operations.
- In the past 5 years USB has always been profitable.
- Each year in the past 5 years USB had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of USB (1.04%) is comparable to the rest of the industry.
- The Return On Equity of USB (11.03%) is better than 69.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 11.03% | ||
| ROIC | N/A |
ROA(3y)0.89%
ROA(5y)0.96%
ROE(3y)10.09%
ROE(5y)10.99%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- USB has a Profit Margin of 25.21%. This is comparable to the rest of the industry: USB outperforms 47.21% of its industry peers.
- USB's Profit Margin has improved in the last couple of years.
- USB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.21% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.48%
PM growth 5Y4.85%
GM growth 3YN/A
GM growth 5YN/A
2. USB Health Analysis
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 less shares outstanding
- The number of shares outstanding for USB has been increased compared to 5 years ago.
- The debt/assets ratio for USB is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of USB is 9.60, which is on the high side as it means it would take USB, 9.60 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 9.60, USB is doing worse than 79.05% of the companies in the same industry.
- A Debt/Equity ratio of 1.17 is on the high side and indicates that USB has dependencies on debt financing.
- The Debt to Equity ratio of USB (1.17) is worse than 86.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.17 | ||
| Debt/FCF | 9.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. USB Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 16.06% over the past year.
- USB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.52% yearly.
- The Revenue has been growing slightly by 4.69% in the past year.
- USB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.21% yearly.
EPS 1Y (TTM)16.06%
EPS 3Y1.18%
EPS 5Y8.52%
EPS Q2Q%14.56%
Revenue 1Y (TTM)4.69%
Revenue growth 3Y5.68%
Revenue growth 5Y4.21%
Sales Q2Q%4.79%
3.2 Future
- USB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.06% yearly.
- USB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.09% yearly.
EPS Next Y10.47%
EPS Next 2Y10.71%
EPS Next 3Y10.45%
EPS Next 5Y6.06%
Revenue Next Year5.98%
Revenue Next 2Y5.67%
Revenue Next 3Y5.09%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. USB Valuation Analysis
4.1 Price/Earnings Ratio
- USB is valuated reasonably with a Price/Earnings ratio of 11.65.
- Compared to the rest of the industry, the Price/Earnings ratio of USB is on the same level as its industry peers.
- USB is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 9.82, the valuation of USB can be described as reasonable.
- USB's Price/Forward Earnings ratio is in line with the industry average.
- USB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 9.82 |
4.2 Price Multiples
- 66.05% of the companies in the same industry are more expensive than USB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.11
PEG (5Y)1.37
EPS Next 2Y10.71%
EPS Next 3Y10.45%
5. USB Dividend Analysis
5.1 Amount
- USB has a Yearly Dividend Yield of 3.67%.
- USB's Dividend Yield is a higher than the industry average which is at 2.57.
- Compared to an average S&P500 Dividend Yield of 1.81, USB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.67% |
5.2 History
- The dividend of USB has a limited annual growth rate of 3.70%.
- USB has paid a dividend for at least 10 years, which is a reliable track record.
- The dividend of USB decreased in the last 3 years.
Dividend Growth(5Y)3.7%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
- 48.68% 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.
DP48.68%
EPS Next 2Y10.71%
EPS Next 3Y10.45%
USB Fundamentals: All Metrics, Ratios and Statistics
55.58
-1.05 (-1.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2026-04-16/bmo
Earnings (Next)07-16 2026-07-16
Inst Owners83.12%
Inst Owner Change-2.33%
Ins Owners0.06%
Ins Owner Change4.67%
Market Cap86.27B
Revenue(TTM)28.87B
Net Income(TTM)7.19B
Analysts74.19
Price Target62.71 (12.83%)
Short Float %1.71%
Short Ratio2.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.67% |
Yearly Dividend2.25
Dividend Growth(5Y)3.7%
DP48.68%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-31 2026-03-31 (0.52)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.13%
Min EPS beat(2)4.87%
Max EPS beat(2)7.4%
EPS beat(4)4
Avg EPS beat(4)4.81%
Min EPS beat(4)2.83%
Max EPS beat(4)7.4%
EPS beat(8)8
Avg EPS beat(8)3.46%
EPS beat(12)10
Avg EPS beat(12)2.58%
EPS beat(16)14
Avg EPS beat(16)2.38%
Revenue beat(2)1
Avg Revenue beat(2)0.18%
Min Revenue beat(2)-0.6%
Max Revenue beat(2)0.95%
Revenue beat(4)1
Avg Revenue beat(4)-0.6%
Min Revenue beat(4)-2.01%
Max Revenue beat(4)0.95%
Revenue beat(8)1
Avg Revenue beat(8)-0.92%
Revenue beat(12)1
Avg Revenue beat(12)-0.98%
Revenue beat(16)2
Avg Revenue beat(16)-1.1%
PT rev (1m)-2.94%
PT rev (3m)0.43%
EPS NQ rev (1m)1.38%
EPS NQ rev (3m)1.79%
EPS NY rev (1m)0.33%
EPS NY rev (3m)2.46%
Revenue NQ rev (1m)0.37%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 9.82 | ||
| P/S | 3.02 | ||
| P/FCF | 10.82 | ||
| P/OCF | 10.82 | ||
| P/B | 1.32 | ||
| P/tB | 1.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.77
EY8.58%
EPS(NY)5.66
Fwd EY10.19%
FCF(TTM)5.13
FCFY9.24%
OCF(TTM)5.13
OCFY9.24%
SpS18.39
BVpS42
TBVpS30.7
PEG (NY)1.11
PEG (5Y)1.37
Graham Number67.1383 (20.8%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 11.03% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.21% | ||
| GM | N/A | ||
| FCFM | 27.93% |
ROA(3y)0.89%
ROA(5y)0.96%
ROE(3y)10.09%
ROE(5y)10.99%
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 3Y3.48%
PM growth 5Y4.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.17 | ||
| Debt/FCF | 9.6 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 110.79% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC12.38%
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)156.27%
Profit Quality(5y)196.5%
High Growth Momentum
Growth
EPS 1Y (TTM)16.06%
EPS 3Y1.18%
EPS 5Y8.52%
EPS Q2Q%14.56%
EPS Next Y10.47%
EPS Next 2Y10.71%
EPS Next 3Y10.45%
EPS Next 5Y6.06%
Revenue 1Y (TTM)4.69%
Revenue growth 3Y5.68%
Revenue growth 5Y4.21%
Sales Q2Q%4.79%
Revenue Next Year5.98%
Revenue Next 2Y5.67%
Revenue Next 3Y5.09%
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-29.3%
FCF growth 3Y-27.73%
FCF growth 5Y16.49%
OCF growth 1Y-29.3%
OCF growth 3Y-27.73%
OCF growth 5Y16.49%
US BANCORP / USB Fundamental Analysis 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 of US BANCORP (USB) stock?
ChartMill assigns a valuation rating of 5 / 10 to US BANCORP (USB). This can be considered as Fairly Valued.
Can you provide the profitability details for US BANCORP?
US BANCORP (USB) has a profitability rating of 4 / 10.
What is the financial health of US BANCORP (USB) stock?
The financial health rating of US BANCORP (USB) is 0 / 10.
What is the expected EPS growth for US BANCORP (USB) stock?
The Earnings per Share (EPS) of US BANCORP (USB) is expected to grow by 10.47% in the next year.