US BANCORP (USB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:USB - US9029733048 - Common Stock
54.87 USD
-1.21 (-2.16%)
54.87 USD
0 (0%)
USB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. USB may be in some trouble as it scores bad on both profitability and health. 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.
In the past 5 years USB always reported a positive cash flow from operatings.
1.2 Ratios
USB has a Return On Assets (0.98%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 10.75%, USB is in the better half of the industry, outperforming 72.35% 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
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.
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) | 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.
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's Debt to FCF ratio of 7.88 is on the low side compared to the rest of the industry. USB is outperformed by 77.00% 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.
USB's Debt to Equity ratio of 1.23 is on the low side compared to the rest of the industry. USB is outperformed by 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
WACC13.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
USB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.59%, which is quite good.
The Earnings Per Share has been decreasing by -1.63% on average over the past years.
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.
Based on estimates for the next years, USB will show a small growth in Revenue. The Revenue will grow by 4.40% on average per year.
EPS Next Y15.19%
EPS Next 2Y11.77%
EPS Next 3Y11.54%
EPS Next 5Y7.43%
Revenue Next Year4.05%
Revenue Next 2Y4.29%
Revenue Next 3Y4.4%
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
A Price/Earnings ratio of 12.39 indicates a correct valuation of USB.
Compared to the rest of the industry, the Price/Earnings ratio of USB is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.17. USB is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 11.04, the valuation of USB can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as USB.
USB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.39 | ||
| Fwd PE | 11.04 |
4.2 Price Multiples
USB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. USB is cheaper than 74.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.63 | ||
| 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)0.82
PEG (5Y)N/A
EPS Next 2Y11.77%
EPS Next 3Y11.54%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.90%, USB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, USB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, USB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
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.
USB has decreased its dividend 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 2Y11.77%
EPS Next 3Y11.54%
54.87
-1.21 (-2.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.43%
Inst Owner Change0%
Ins Owners0.07%
Ins Owner Change-0.62%
Market Cap85.39B
Revenue(TTM)28.18B
Net Income(TTM)6.81B
Analysts76.55
Price Target58.55 (6.71%)
Short Float %1.4%
Short Ratio2.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
Yearly Dividend2.21
Dividend Growth(5Y)4.83%
DP51.09%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)3.21%
PT rev (3m)6.01%
EPS NQ rev (1m)0.37%
EPS NQ rev (3m)4.18%
EPS NY rev (1m)0.13%
EPS NY rev (3m)3.43%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)1.2%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.39 | ||
| Fwd PE | 11.04 | ||
| P/S | 3.03 | ||
| P/FCF | 8.63 | ||
| P/OCF | 8.63 | ||
| P/B | 1.35 | ||
| P/tB | 1.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.43
EY8.07%
EPS(NY)4.97
Fwd EY9.06%
FCF(TTM)6.36
FCFY11.59%
OCF(TTM)6.36
OCFY11.59%
SpS18.11
BVpS40.7
TBVpS29.27
PEG (NY)0.82
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
WACC13.25%
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 Y15.19%
EPS Next 2Y11.77%
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 Year4.05%
Revenue Next 2Y4.29%
Revenue Next 3Y4.4%
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 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 3 / 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 6 / 10 and the dividend payout ratio is 51.09%.