US BANCORP(NYSE:USB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, USB scores 2 out of 10 in our fundamental rating. USB was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of USB have multiple concerns. USB has a valuation in line with the averages, but on the other hand it scores bad on growth.

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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.

Of the past 5 years USB 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.74%, USB is in line with its industry, outperforming 44.22% of the companies in the same industry.

The Return On Equity of USB (8.65%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.74%
ROE	8.65%
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 of 18.81%. This is in the lower half of the industry: USB underperforms 64.57% of its industry peers.

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)	18.81%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 11.35. This is a negative value and a sign of low solvency as USB would need 11.35 years to pay back of all of its debts.

With a Debt to FCF ratio value of 11.35, USB is not doing good in the industry: 74.37% of the companies in the same industry are doing better.

A Debt/Equity ratio of 1.33 is on the high side and indicates that USB has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 1.33, USB is doing worse than 89.45% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.33
Debt/FCF	11.35
Altman-Z	N/A

ROIC/WACCN/A

WACC12.28%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for USB have decreased by -7.87% in the last 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 decreased by -2.42% in the past 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)-7.87%

EPS 3Y-7.93%

EPS 5Y-1.63%

EPS Q2Q%8.08%

Revenue 1Y (TTM)-2.42%

Revenue growth 3Y6.36%

Revenue growth 5Y3.62%

Sales Q2Q%1.9%

3.2 Future

USB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.09% yearly.

The Revenue is expected to grow by 3.91% on average over the next years.

EPS Next Y9.98%

EPS Next 2Y11.18%

EPS Next 3Y7.46%

EPS Next 5Y7.09%

Revenue Next Year4.25%

Revenue Next 2Y4.32%

Revenue Next 3Y3.91%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.39, which indicates a correct valuation of USB.

Based on the Price/Earnings ratio, USB is valued a bit cheaper than the industry average as 62.81% of the companies are valued more expensively.

The average S&P500 Price/Earnings ratio is at 28.29. USB is valued rather cheaply when compared to this.

USB is valuated reasonably with a Price/Forward Earnings ratio of 11.27.

Based on the Price/Forward Earnings ratio, USB is valued a bit cheaper than the industry average as 63.57% of the companies are valued more expensively.

USB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.44.

		Industry Rank	Sector Rank
PE	12.39
Fwd PE	11.27

4.2 Price Multiples

USB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. USB is cheaper than 63.07% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	11.11
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)1.24

PEG (5Y)N/A

EPS Next 2Y11.18%

EPS Next 3Y7.46%

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5. Dividend

5.1 Amount

USB has a Yearly Dividend Yield of 4.14%, which is a nice return.

USB's Dividend Yield is rather good when compared to the industry average which is at 3.22. USB pays more dividend than 80.15% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.28, USB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.14%

5.2 History

The dividend of USB is nicely growing with an annual growth rate of 8.14%!

USB has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)8.14%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

USB pays out 67.04% of its income as dividend. This is not a sustainable payout ratio.

USB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP67.04%

EPS Next 2Y11.18%

EPS Next 3Y7.46%

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US BANCORP

NYSE:USB (1/21/2025, 7:28:06 PM)

After market: 49.3151 0 (-0.01%)

49.32

+0.96 (+1.99%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-16 2025-01-16/bmo

Earnings (Next)N/A N/A

Inst Owners79.35%

Inst Owner Change0.04%

Ins Owners0.08%

Ins Owner Change-1.11%

Market Cap76.94B

Analysts75.17

Price Target58.17 (17.94%)

Short Float %1.45%

Short Ratio3.07

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.14%

Yearly Dividend2.14

Dividend Growth(5Y)8.14%

DP67.04%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)3.24%

Min EPS beat(2)3.19%

Max EPS beat(2)3.29%

EPS beat(4)3

Avg EPS beat(4)1.98%

Min EPS beat(4)-0.02%

Max EPS beat(4)3.29%

EPS beat(8)6

Avg EPS beat(8)1.65%

EPS beat(12)9

Avg EPS beat(12)1.21%

EPS beat(16)12

Avg EPS beat(16)5.38%

Revenue beat(2)0

Avg Revenue beat(2)-1.12%

Min Revenue beat(2)-1.88%

Max Revenue beat(2)-0.36%

Revenue beat(4)0

Avg Revenue beat(4)-1.19%

Min Revenue beat(4)-1.88%

Max Revenue beat(4)-0.36%

Revenue beat(8)0

Avg Revenue beat(8)-1.7%

Revenue beat(12)1

Avg Revenue beat(12)-1.38%

Revenue beat(16)3

Avg Revenue beat(16)-1.21%

PT rev (1m)4.55%

PT rev (3m)14.6%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.56%

EPS NY rev (1m)0%

EPS NY rev (3m)1.5%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.5%

Revenue NY rev (1m)0.06%

Revenue NY rev (3m)0.08%

Valuation

		Industry Rank	Sector Rank
PE	12.39
Fwd PE	11.27
P/S	2.84
P/FCF	11.11
P/OCF	11.11
P/B	1.31
P/tB	1.89
EV/EBITDA	N/A

EPS(TTM)3.98

EY8.07%

EPS(NY)4.38

Fwd EY8.87%

FCF(TTM)4.44

FCFY9%

OCF(TTM)4.44

OCFY9%

SpS17.36

BVpS37.73

TBVpS26.15

PEG (NY)1.24

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.74%
ROE	8.65%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.81%
GM	N/A
FCFM	25.56%

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-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	1.33
Debt/FCF	11.35
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	135.91%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC12.28%

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)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-7.87%

EPS 3Y-7.93%

EPS 5Y-1.63%

EPS Q2Q%8.08%

EPS Next Y9.98%

EPS Next 2Y11.18%

EPS Next 3Y7.46%

EPS Next 5Y7.09%

Revenue 1Y (TTM)-2.42%

Revenue growth 3Y6.36%

Revenue growth 5Y3.62%

Sales Q2Q%1.9%

Revenue Next Year4.25%

Revenue Next 2Y4.32%

Revenue Next 3Y3.91%

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-53.6%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-53.6%

OCF growth 3YN/A

OCF growth 5YN/A

US BANCORP (USB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens