US BANCORP (USB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:USB - US9029733048 - Common Stock
53.42 USD
-0.16 (-0.3%)
53.42 USD
0 (0%)
Taking everything into account, USB scores 3 out of 10 in our fundamental rating. USB was compared to 385 industry peers in the Banks industry. USB has a bad profitability rating. Also its financial health evaluation is rather negative. USB has a decent growth rate and is not valued too expensively.
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
USB's Return On Assets of 0.98% is in line compared to the rest of the industry. USB outperforms 59.07% of its industry peers.
The Return On Equity of USB (10.75%) is better than 72.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 10.75% | ||
| 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 (24.16%) 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) | 24.16% | ||
| 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.
USB has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for USB has been increased compared to 5 years ago.
Compared to 1 year ago, USB has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of USB is 7.88, which is on the high side as it means it would take USB, 7.88 years of fcf income to pay off all of its debts.
USB has a Debt to FCF ratio of 7.88. This is in the lower half of the industry: USB underperforms 76.94% of its industry peers.
A Debt/Equity ratio of 1.23 is on the high side and indicates that USB has dependencies on debt financing.
USB has a Debt to Equity ratio of 1.23. This is amonst the worse of the industry: USB underperforms 86.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | 7.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.48%
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.
The Earnings Per Share has been decreasing by -1.63% on average over the past years.
The Revenue has been growing slightly by 4.04% 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)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 7.43% on average per year.
USB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.36% yearly.
EPS Next Y15.05%
EPS Next 2Y11.6%
EPS Next 3Y11.52%
EPS Next 5Y7.43%
Revenue Next Year4.04%
Revenue Next 2Y4.25%
Revenue Next 3Y4.36%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.06, USB is valued correctly.
USB's Price/Earnings ratio is a bit cheaper when compared to the industry. USB is cheaper than 61.14% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.56. USB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.78 indicates a reasonable valuation of USB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of USB is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of USB to the average of the S&P500 Index (23.79), we can say USB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.06 | ||
| Fwd PE | 10.78 |
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 78.76% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
USB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y11.6%
EPS Next 3Y11.52%
5. Dividend
5.1 Amount
USB has a Yearly Dividend Yield of 3.88%.
Compared to an average industry Dividend Yield of 2.70, USB pays a better dividend. On top of this USB pays more dividend than 81.35% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, USB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
5.2 History
The dividend of USB has a limited annual growth rate of 4.83%.
USB has paid a dividend for at least 10 years, which is 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 51.09% 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.
DP51.09%
EPS Next 2Y11.6%
EPS Next 3Y11.52%
53.42
-0.16 (-0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.22%
Inst Owner Change-1.67%
Ins Owners0.07%
Ins Owner Change-0.62%
Market Cap83.13B
Revenue(TTM)28.18B
Net Income(TTM)6.81B
Analysts76.55
Price Target56.64 (6.03%)
Short Float %1.19%
Short Ratio2.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
Yearly Dividend2.21
Dividend Growth(5Y)4.83%
DP51.09%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.11%
Min EPS beat(2)2.83%
Max EPS beat(2)7.4%
EPS beat(4)4
Avg EPS beat(4)3.71%
Min EPS beat(4)0.45%
Max EPS beat(4)7.4%
EPS beat(8)7
Avg EPS beat(8)2.85%
EPS beat(12)10
Avg EPS beat(12)2.34%
EPS beat(16)13
Avg EPS beat(16)1.84%
Revenue beat(2)1
Avg Revenue beat(2)-0.53%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)0.95%
Revenue beat(4)1
Avg Revenue beat(4)-0.78%
Min Revenue beat(4)-2.01%
Max Revenue beat(4)0.95%
Revenue beat(8)1
Avg Revenue beat(8)-0.98%
Revenue beat(12)1
Avg Revenue beat(12)-1.39%
Revenue beat(16)2
Avg Revenue beat(16)-1.23%
PT rev (1m)-0.08%
PT rev (3m)3.6%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)4.03%
EPS NY rev (1m)0.05%
EPS NY rev (3m)3.44%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)1.18%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.06 | ||
| Fwd PE | 10.78 | ||
| P/S | 2.95 | ||
| P/FCF | 8.4 | ||
| P/OCF | 8.4 | ||
| P/B | 1.31 | ||
| P/tB | 1.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.43
EY8.29%
EPS(NY)4.96
Fwd EY9.28%
FCF(TTM)6.36
FCFY11.91%
OCF(TTM)6.36
OCFY11.91%
SpS18.11
BVpS40.7
TBVpS29.27
PEG (NY)0.8
PEG (5Y)N/A
Graham Number63.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 10.75% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.16% | ||
| GM | N/A | ||
| FCFM | 35.13% |
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 | 1.23 | ||
| Debt/FCF | 7.88 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 145.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.48%
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 Y15.05%
EPS Next 2Y11.6%
EPS Next 3Y11.52%
EPS Next 5Y7.43%
Revenue 1Y (TTM)4.04%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%6.83%
Revenue Next Year4.04%
Revenue Next 2Y4.25%
Revenue Next 3Y4.36%
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-33.64%
FCF growth 3Y4.53%
FCF growth 5Y18.19%
OCF growth 1Y-33.64%
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 5 / 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 15.05% in the next year.