US BANCORP (USB) Stock Fundamental Analysis
USA - NYSE:USB - US9029733048 - Common Stock
48.26 USD
+0.44 (+0.92%)
48.46 USD
+0.2 (+0.41%)
Overall USB gets a fundamental rating of 3 out of 10. We evaluated USB against 391 industry peers in the Banks industry. USB has a bad profitability rating. Also its financial health evaluation is rather negative. USB is not valued too expensively and it also shows a decent growth rate. USB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
USB had positive earnings in the past year.
USB had a positive operating cash flow in the past year.
In the past 5 years USB has always been profitable.
USB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
USB has a Return On Assets (0.95%) which is in line with its industry peers.
The Return On Equity of USB (10.61%) is better than 73.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 10.61% | ||
| 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
1.3 Margins
The Profit Margin of USB (23.52%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of USB has declined.
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) | 23.52% | ||
| 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
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.
Compared to 5 years ago, USB has more shares outstanding
The debt/assets ratio for USB is higher compared to a year ago.
2.2 Solvency
USB has a debt to FCF ratio of 10.56. This is a negative value and a sign of low solvency as USB would need 10.56 years to pay back of all of its debts.
USB has a Debt to FCF ratio of 10.56. This is in the lower half of the industry: USB underperforms 78.52% of its industry peers.
A Debt/Equity ratio of 1.29 is on the high side and indicates that USB has dependencies on debt financing.
USB has a Debt to Equity ratio of 1.29. This is amonst the worse of the industry: USB underperforms 86.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.29 | ||
| Debt/FCF | 10.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.59% over the past year.
Measured over the past years, USB shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.63% on average per year.
Looking at the last year, USB shows a small growth in Revenue. The Revenue has grown by 4.04% in the last year.
USB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.62% yearly.
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
Based on estimates for the next years, USB will show a small growth in Earnings Per Share. The EPS will grow by 5.33% on average per year.
USB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.30% yearly.
EPS Next Y14.72%
EPS Next 2Y11.58%
EPS Next 3Y11.5%
EPS Next 5Y5.33%
Revenue Next Year3.84%
Revenue Next 2Y4.11%
Revenue Next 3Y4.3%
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 accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.89, the valuation of USB can be described as very reasonable.
63.17% of the companies in the same industry are more expensive than USB, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.91, USB is valued rather cheaply.
USB is valuated reasonably with a Price/Forward Earnings ratio of 9.74.
The rest of the industry has a similar Price/Forward Earnings ratio as USB.
USB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 9.74 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of USB indicates a somewhat cheap valuation: USB is cheaper than 67.01% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.03 | ||
| EV/EBITDA | N/A |
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)0.74
PEG (5Y)N/A
EPS Next 2Y11.58%
EPS Next 3Y11.5%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.35%, USB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.53, USB pays a better dividend. On top of this USB pays more dividend than 81.07% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, USB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.35% |
5.2 History
The dividend of USB has a limited annual growth rate of 4.83%.
USB has been paying a dividend for at least 10 years, so it has a reliable track record.
USB has decreased its dividend recently.
Dividend Growth(5Y)4.83%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
USB pays out 53.24% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of USB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP53.24%
EPS Next 2Y11.58%
EPS Next 3Y11.5%
48.26
+0.44 (+0.92%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.28%
Inst Owner Change0.04%
Ins Owners0.07%
Ins Owner Change-0.56%
Market Cap75.10B
Revenue(TTM)28.18B
Net Income(TTM)6.52B
Analysts75.86
Price Target55.23 (14.44%)
Short Float %1.01%
Short Ratio1.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.35% |
Yearly Dividend2.21
Dividend Growth(5Y)4.83%
DP53.24%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.5%
Min EPS beat(2)2.83%
Max EPS beat(2)4.16%
EPS beat(4)4
Avg EPS beat(4)2.66%
Min EPS beat(4)0.45%
Max EPS beat(4)4.16%
EPS beat(8)7
Avg EPS beat(8)2.16%
EPS beat(12)10
Avg EPS beat(12)1.72%
EPS beat(16)13
Avg EPS beat(16)2.06%
Revenue beat(2)0
Avg Revenue beat(2)-1.38%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)-0.76%
Revenue beat(4)0
Avg Revenue beat(4)-1.49%
Min Revenue beat(4)-2.01%
Max Revenue beat(4)-0.76%
Revenue beat(8)0
Avg Revenue beat(8)-1.26%
Revenue beat(12)0
Avg Revenue beat(12)-1.49%
Revenue beat(16)2
Avg Revenue beat(16)-1.24%
PT rev (1m)1.02%
PT rev (3m)1.92%
EPS NQ rev (1m)1.24%
EPS NQ rev (3m)1.19%
EPS NY rev (1m)3%
EPS NY rev (3m)4.54%
Revenue NQ rev (1m)0.26%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)0.77%
Revenue NY rev (3m)0.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 9.74 | ||
| P/S | 2.71 | ||
| P/FCF | 10.03 | ||
| P/OCF | 10.03 | ||
| P/B | 1.22 | ||
| P/tB | 1.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.43
EY9.18%
EPS(NY)4.96
Fwd EY10.27%
FCF(TTM)4.81
FCFY9.97%
OCF(TTM)4.81
OCFY9.97%
SpS17.81
BVpS39.48
TBVpS27.96
PEG (NY)0.74
PEG (5Y)N/A
Graham Number62.73
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 10.61% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.52% | ||
| GM | N/A | ||
| FCFM | 27% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.29 | ||
| Debt/FCF | 10.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 114.82% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.77%
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 Y14.72%
EPS Next 2Y11.58%
EPS Next 3Y11.5%
EPS Next 5Y5.33%
Revenue 1Y (TTM)4.04%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%6.83%
Revenue Next Year3.84%
Revenue Next 2Y4.11%
Revenue Next 3Y4.3%
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-48.57%
FCF growth 3Y4.53%
FCF growth 5Y18.19%
OCF growth 1Y-48.57%
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 6 / 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 14.72% in the next year.