US BANCORP (USB) Fundamental Analysis & Valuation

NYSE:USB • US9029733048

Current stock price

50.85 USD
-0.74 (-1.43%)
At close:
50.79 USD
-0.06 (-0.12%)
After Hours:

This USB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. USB Profitability Analysis

1.1 Basic Checks

  • USB had positive earnings in the past year.
  • USB had a positive operating cash flow in the past year.
  • USB had positive earnings in each of the past 5 years.
  • USB had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

1.2 Ratios

  • USB has a Return On Assets (1.04%) which is comparable to the rest of the industry.
  • The Return On Equity of USB (11.03%) is better than 71.32% of its industry peers.
Industry RankSector 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
USB Yearly ROA, ROE, ROICUSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 25.21%, USB is in line with its industry, outperforming 49.21% of the companies in the same industry.
  • In the last couple of years the Profit Margin of USB has grown nicely.
  • USB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
USB Yearly Profit, Operating, Gross MarginsUSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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0

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
  • Compared to 5 years ago, USB has more shares outstanding
  • The debt/assets ratio for USB is higher compared to a year ago.
USB Yearly Shares OutstandingUSB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
USB Yearly Total Debt VS Total AssetsUSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

2.2 Solvency

  • The Debt to FCF ratio of USB is 9.78, which is on the high side as it means it would take USB, 9.78 years of fcf income to pay off all of its debts.
  • USB has a worse Debt to FCF ratio (9.78) than 76.84% of its industry peers.
  • A Debt/Equity ratio of 1.20 is on the high side and indicates that USB has dependencies on debt financing.
  • USB has a Debt to Equity ratio of 1.20. This is amonst the worse of the industry: USB underperforms 86.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.2
Debt/FCF 9.78
Altman-Z N/A
ROIC/WACCN/A
WACC12.73%
USB Yearly LT Debt VS Equity VS FCFUSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. USB Growth Analysis

3.1 Past

  • USB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.08%, which is quite good.
  • The Earnings Per Share has been growing by 8.52% on average over the past years. This is quite good.
  • USB shows a small growth in Revenue. In the last year, the Revenue has grown by 4.41%.
  • The Revenue has been growing slightly by 4.21% on average over the past years.
EPS 1Y (TTM)16.08%
EPS 3Y1.18%
EPS 5Y8.52%
EPS Q2Q%17.76%
Revenue 1Y (TTM)4.41%
Revenue growth 3Y5.68%
Revenue growth 5Y4.21%
Sales Q2Q%5.13%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.00% on average over the next years.
  • USB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.09% yearly.
EPS Next Y10.1%
EPS Next 2Y10.56%
EPS Next 3Y10.33%
EPS Next 5Y6%
Revenue Next Year5.8%
Revenue Next 2Y5.46%
Revenue Next 3Y5.09%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B
USB Yearly EPS VS EstimatesUSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6

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5

4. USB Valuation Analysis

4.1 Price/Earnings Ratio

  • USB is valuated reasonably with a Price/Earnings ratio of 11.01.
  • USB's Price/Earnings is on the same level as the industry average.
  • USB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.88.
  • USB is valuated reasonably with a Price/Forward Earnings ratio of 10.00.
  • USB's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, USB is valued rather cheaply.
Industry RankSector Rank
PE 11.01
Fwd PE 10
USB Price Earnings VS Forward Price EarningsUSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, USB is valued a bit cheaper than 66.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.9
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.09
PEG (5Y)1.29
EPS Next 2Y10.56%
EPS Next 3Y10.33%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. USB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.99%, USB has a reasonable but not impressive dividend return.
  • USB's Dividend Yield is rather good when compared to the industry average which is at 2.69. USB pays more dividend than 80.53% of the companies in the same industry.
  • USB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.99%

5.2 History

  • The dividend of USB has a limited annual growth rate of 3.70%.
  • 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)3.7%
Div Incr Years1
Div Non Decr Years1
USB Yearly Dividends per shareUSB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • USB pays out 48.68% of its income as dividend. 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 2Y10.56%
EPS Next 3Y10.33%
USB Yearly Income VS Free CF VS DividendUSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B
USB Dividend Payout.USB Dividend Payout, showing the Payout Ratio.USB Dividend Payout.PayoutRetained Earnings

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USB Fundamentals: All Metrics, Ratios and Statistics

US BANCORP

NYSE:USB (3/27/2026, 8:04:00 PM)

After market: 50.79 -0.06 (-0.12%)

50.85

-0.74 (-1.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-16
Inst Owners83%
Inst Owner Change5.59%
Ins Owners0.08%
Ins Owner Change5.17%
Market Cap78.93B
Revenue(TTM)28.54B
Net Income(TTM)7.19B
Analysts75.33
Price Target64.62 (27.08%)
Short Float %1.63%
Short Ratio2.24
Dividend
Industry RankSector Rank
Dividend Yield 3.99%
Yearly Dividend2.25
Dividend Growth(5Y)3.7%
DP48.68%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)0%
PT rev (3m)10.37%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)3.93%
EPS NY rev (1m)0.29%
EPS NY rev (3m)2.31%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)1.32%
Valuation
Industry RankSector Rank
PE 11.01
Fwd PE 10
P/S 2.77
P/FCF 9.9
P/OCF 9.9
P/B 1.21
P/tB 1.66
EV/EBITDA N/A
EPS(TTM)4.62
EY9.09%
EPS(NY)5.09
Fwd EY10%
FCF(TTM)5.13
FCFY10.1%
OCF(TTM)5.13
OCFY10.1%
SpS18.39
BVpS42
TBVpS30.7
PEG (NY)1.09
PEG (5Y)1.29
Graham Number66.07
Profitability
Industry RankSector 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 RankSector Rank
Debt/Equity 1.2
Debt/FCF 9.78
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
WACC12.73%
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)16.08%
EPS 3Y1.18%
EPS 5Y8.52%
EPS Q2Q%17.76%
EPS Next Y10.1%
EPS Next 2Y10.56%
EPS Next 3Y10.33%
EPS Next 5Y6%
Revenue 1Y (TTM)4.41%
Revenue growth 3Y5.68%
Revenue growth 5Y4.21%
Sales Q2Q%5.13%
Revenue Next Year5.8%
Revenue Next 2Y5.46%
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.


What is the profitability of USB stock?

US BANCORP (USB) has a profitability rating of 4 / 10.


How financially healthy is US BANCORP?

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


Can you provide the dividend sustainability for USB stock?

The dividend rating of US BANCORP (USB) is 7 / 10 and the dividend payout ratio is 48.68%.