US BANCORP (USB) Fundamental Analysis & Valuation

NYSE:USB • US9029733048

Current stock price

55.97 USD
+0.39 (+0.7%)
At close:
56 USD
+0.03 (+0.05%)
Pre-Market:

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.
  • In the past 5 years USB has always been profitable.
  • In the past 5 years USB always reported a positive cash flow from operatings.
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's Return On Assets of 1.04% is in line compared to the rest of the industry. USB outperforms 58.24% of its industry peers.
  • USB's Return On Equity of 11.03% is fine compared to the rest of the industry. USB outperforms 69.68% 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

  • USB's Profit Margin of 25.21% is in line compared to the rest of the industry. USB outperforms 47.07% of its industry peers.
  • USB's Profit Margin has improved in the last couple of years.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for USB has been reduced compared to 1 year ago.
  • Compared to 5 years ago, USB has more shares outstanding
  • USB has a worse debt/assets ratio than last year.
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 9.60, which is on the high side as it means it would take USB, 9.60 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of USB (9.60) is worse than 78.99% of its industry peers.
  • A Debt/Equity ratio of 1.17 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 1.17, USB is doing worse than 86.70% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.17
Debt/FCF 9.6
Altman-Z N/A
ROIC/WACCN/A
WACC12.31%
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 16.06%, which is quite good.
  • USB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.52% yearly.
  • Looking at the last year, USB shows a small growth in Revenue. The Revenue has grown by 4.69% in the last year.
  • Measured over the past years, USB shows a small growth in Revenue. The Revenue has been growing by 4.21% on average per year.
EPS 1Y (TTM)16.06%
EPS 3Y1.18%
EPS 5Y8.52%
EPS Q2Q%14.56%
Revenue 1Y (TTM)4.69%
Revenue growth 3Y5.68%
Revenue growth 5Y4.21%
Sales Q2Q%4.79%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.06% on average over the next years.
  • Based on estimates for the next years, USB will show a small growth in Revenue. The Revenue will grow by 5.09% on average per year.
EPS Next Y10.47%
EPS Next 2Y10.71%
EPS Next 3Y10.45%
EPS Next 5Y6.06%
Revenue Next Year5.98%
Revenue Next 2Y5.67%
Revenue Next 3Y5.09%
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 decreasing.
  • 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

  • With a Price/Earnings ratio of 11.73, the valuation of USB can be described as very reasonable.
  • USB's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.15. USB is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.88, the valuation of USB can be described as reasonable.
  • USB's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of USB to the average of the S&P500 Index (22.12), we can say USB is valued rather cheaply.
Industry RankSector Rank
PE 11.73
Fwd PE 9.88
USB Price Earnings VS Forward Price EarningsUSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 65.69% of the companies in the same industry are more expensive than USB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.9
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)1.12
PEG (5Y)1.38
EPS Next 2Y10.71%
EPS Next 3Y10.45%

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

6

5. USB Dividend Analysis

5.1 Amount

  • USB has a Yearly Dividend Yield of 3.67%.
  • Compared to an average industry Dividend Yield of 2.53, USB pays a better dividend. On top of this USB pays more dividend than 80.32% of the companies listed in the same industry.
  • USB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.67%

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 in the last 3 years.
Dividend Growth(5Y)3.7%
Div Incr Years2
Div Non Decr Years2
USB Yearly Dividends per shareUSB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 2Y10.71%
EPS Next 3Y10.45%
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 (4/27/2026, 8:21:57 PM)

Premarket: 56 +0.03 (+0.05%)

55.97

+0.39 (+0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16
Earnings (Next)07-16
Inst Owners83.12%
Inst Owner Change-2.33%
Ins Owners0.06%
Ins Owner Change4.67%
Market Cap86.88B
Revenue(TTM)28.87B
Net Income(TTM)7.19B
Analysts74.19
Price Target62.71 (12.04%)
Short Float %1.53%
Short Ratio2.39
Dividend
Industry RankSector Rank
Dividend Yield 3.67%
Yearly Dividend2.25
Dividend Growth(5Y)3.7%
DP48.68%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-31
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)-2.94%
PT rev (3m)0.43%
EPS NQ rev (1m)1.38%
EPS NQ rev (3m)1.79%
EPS NY rev (1m)0.33%
EPS NY rev (3m)2.46%
Revenue NQ rev (1m)0.37%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.63%
Valuation
Industry RankSector Rank
PE 11.73
Fwd PE 9.88
P/S 3.04
P/FCF 10.9
P/OCF 10.9
P/B 1.33
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)4.77
EY8.52%
EPS(NY)5.66
Fwd EY10.12%
FCF(TTM)5.13
FCFY9.17%
OCF(TTM)5.13
OCFY9.17%
SpS18.39
BVpS42
TBVpS30.7
PEG (NY)1.12
PEG (5Y)1.38
Graham Number67.1383 (19.95%)
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 1.17
Debt/FCF 9.6
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
WACC12.31%
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)16.06%
EPS 3Y1.18%
EPS 5Y8.52%
EPS Q2Q%14.56%
EPS Next Y10.47%
EPS Next 2Y10.71%
EPS Next 3Y10.45%
EPS Next 5Y6.06%
Revenue 1Y (TTM)4.69%
Revenue growth 3Y5.68%
Revenue growth 5Y4.21%
Sales Q2Q%4.79%
Revenue Next Year5.98%
Revenue Next 2Y5.67%
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.


Can you provide the profitability details for US BANCORP?

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


What is the financial health of US BANCORP (USB) stock?

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


What is the expected EPS growth for US BANCORP (USB) stock?

The Earnings per Share (EPS) of US BANCORP (USB) is expected to grow by 10.47% in the next year.