US BANCORP (USB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:USB - US9029733048 - Common Stock
49.05 USD
+0.1 (+0.2%)
49.05 USD
0 (0%)
Overall USB gets a fundamental rating of 3 out of 10. We evaluated USB against 387 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.
In the past year USB had a positive cash flow from operations.
USB had positive earnings in each of the past 5 years.
Each year in the past 5 years USB had a positive operating cash flow.
1.2 Ratios
The Return On Assets of USB (0.98%) is comparable to the rest of the industry.
With a decent Return On Equity value of 10.75%, USB is doing good in the industry, outperforming 72.87% of the companies in the same industry.
| 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
USB's Profit Margin of 24.16% is in line compared to the rest of the industry. USB outperforms 49.87% of its industry peers.
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.
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.
The debt/assets ratio for USB is higher compared to a year ago.
2.2 Solvency
USB has a debt to FCF ratio of 7.88. This is a slightly negative value and a sign of low solvency as USB would need 7.88 years to pay back of 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 75.71% of its industry peers.
USB has a Debt/Equity ratio of 1.23. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of USB (1.23) is worse than 86.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | 7.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.58%
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.
USB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.
USB shows a small growth in Revenue. In the last year, the Revenue has grown by 4.04%.
The Revenue has been growing slightly by 3.62% on average over the past years.
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 4.35% yearly.
EPS Next Y14.99%
EPS Next 2Y11.59%
EPS Next 3Y11.54%
EPS Next 5Y7.43%
Revenue Next Year4.03%
Revenue Next 2Y4.22%
Revenue Next 3Y4.35%
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
The Price/Earnings ratio is 11.07, which indicates a very decent valuation of USB.
Compared to the rest of the industry, the Price/Earnings ratio of USB indicates a somewhat cheap valuation: USB is cheaper than 63.31% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. USB is valued rather cheaply when compared to this.
USB is valuated reasonably with a Price/Forward Earnings ratio of 9.90.
The rest of the industry has a similar Price/Forward Earnings ratio as USB.
USB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 9.9 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of USB indicates a rather cheap valuation: USB is cheaper than 81.14% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.71 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y11.59%
EPS Next 3Y11.54%
5. Dividend
5.1 Amount
USB has a Yearly Dividend Yield of 4.47%, which is a nice return.
USB's Dividend Yield is rather good when compared to the industry average which is at 3.33. USB pays more dividend than 85.27% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, USB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.47% |
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
51.09% of the earnings are spent on dividend by USB. 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 2Y11.59%
EPS Next 3Y11.54%
49.05
+0.1 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.28%
Inst Owner Change-1.77%
Ins Owners0.07%
Ins Owner Change-0.62%
Market Cap76.33B
Revenue(TTM)28.18B
Net Income(TTM)6.81B
Analysts76.55
Price Target56.73 (15.66%)
Short Float %1.12%
Short Ratio1.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.47% |
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)2.72%
PT rev (3m)4.03%
EPS NQ rev (1m)0.24%
EPS NQ rev (3m)3.98%
EPS NY rev (1m)0.24%
EPS NY rev (3m)3.39%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)1.17%
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)0.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 9.9 | ||
| P/S | 2.71 | ||
| P/FCF | 7.71 | ||
| P/OCF | 7.71 | ||
| P/B | 1.21 | ||
| P/tB | 1.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.43
EY9.03%
EPS(NY)4.96
Fwd EY10.1%
FCF(TTM)6.36
FCFY12.97%
OCF(TTM)6.36
OCFY12.97%
SpS18.11
BVpS40.7
TBVpS29.27
PEG (NY)0.74
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
WACC13.58%
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 Y14.99%
EPS Next 2Y11.59%
EPS Next 3Y11.54%
EPS Next 5Y7.43%
Revenue 1Y (TTM)4.04%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%6.83%
Revenue Next Year4.03%
Revenue Next 2Y4.22%
Revenue Next 3Y4.35%
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 6 / 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 14.99% in the next year.