US BANCORP (USB) Stock Fundamental Analysis
USA - NYSE:USB - US9029733048 - Common Stock
49.7 USD
+0.09 (+0.18%)
USB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 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. Finally 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.
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.
1.2 Ratios
The Return On Assets of USB (0.95%) is comparable to the rest of the industry.
USB's Return On Equity of 10.61% is fine compared to the rest of the industry. USB outperforms 74.23% 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
USB has a Profit Margin (23.52%) which is comparable to the rest of the 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 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.
The number of shares outstanding for USB remains at a similar level compared to 1 year ago.
The number of shares outstanding for USB has been increased compared to 5 years ago.
USB has a worse debt/assets ratio than last year.
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's Debt to FCF ratio of 10.56 is on the low side compared to the rest of the industry. USB is outperformed by 76.53% 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 86.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.29 | ||
| Debt/FCF | 10.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.83%
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 8.16% over the past year.
USB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.
The Revenue has been growing slightly by 1.69% in the past year.
Measured over the past years, USB shows a small growth in Revenue. The Revenue has been growing by 3.62% on average per year.
EPS 1Y (TTM)8.16%
EPS 3Y-7.93%
EPS 5Y-1.63%
EPS Q2Q%13.27%
Revenue 1Y (TTM)1.69%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%2%
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.
Based on estimates for the next years, USB will show a small growth in Revenue. The Revenue will grow by 4.04% on average per year.
EPS Next Y11.22%
EPS Next 2Y10.12%
EPS Next 3Y10.46%
EPS Next 5Y5.33%
Revenue Next Year3.04%
Revenue Next 2Y3.78%
Revenue Next 3Y4.04%
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 11.72, the valuation of USB can be described as very reasonable.
Based on the Price/Earnings ratio, USB is valued a bit cheaper than the industry average as 61.73% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of USB to the average of the S&P500 Index (27.20), we can say USB is valued rather cheaply.
USB is valuated reasonably with a Price/Forward Earnings ratio of 10.30.
The rest of the industry has a similar Price/Forward Earnings ratio as USB.
When comparing the Price/Forward Earnings ratio of USB to the average of the S&P500 Index (22.70), we can say USB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 10.3 |
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 66.07% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.33 | ||
| 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)1.04
PEG (5Y)N/A
EPS Next 2Y10.12%
EPS Next 3Y10.46%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.90%, USB is a good candidate for dividend investing.
USB's Dividend Yield is rather good when compared to the industry average which is at 3.73. USB pays more dividend than 93.62% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, USB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.9% |
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.
The dividend of USB decreased 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 2Y10.12%
EPS Next 3Y10.46%
NYSE:USB (9/18/2025, 9:43:07 AM)
49.7
+0.09 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.24%
Inst Owner Change0.77%
Ins Owners0.07%
Ins Owner Change-0.56%
Market Cap77.34B
Analysts76.55
Price Target54.67 (10%)
Short Float %1.42%
Short Ratio2.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.9% |
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)0.25%
PT rev (3m)6.89%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)1.03%
EPS NY rev (1m)1.35%
EPS NY rev (3m)1.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.03%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)-0.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 10.3 | ||
| P/S | 2.79 | ||
| P/FCF | 10.33 | ||
| P/OCF | 10.33 | ||
| P/B | 1.26 | ||
| P/tB | 1.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.24
EY8.53%
EPS(NY)4.83
Fwd EY9.71%
FCF(TTM)4.81
FCFY9.68%
OCF(TTM)4.81
OCFY9.68%
SpS17.81
BVpS39.48
TBVpS27.96
PEG (NY)1.04
PEG (5Y)N/A
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC13.83%
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)8.16%
EPS 3Y-7.93%
EPS 5Y-1.63%
EPS Q2Q%13.27%
EPS Next Y11.22%
EPS Next 2Y10.12%
EPS Next 3Y10.46%
EPS Next 5Y5.33%
Revenue 1Y (TTM)1.69%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%2%
Revenue Next Year3.04%
Revenue Next 2Y3.78%
Revenue Next 3Y4.04%
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%