US BANCORP (USB) Stock Fundamental Analysis

NYSE:USB • US9029733048

54.66 USD
-2.6 (-4.54%)
At close: Feb 27, 2026
54.66 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, USB scores 3 out of 10 in our fundamental rating. USB was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of USB have multiple concerns. USB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

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.
  • In the past 5 years USB has always been profitable.
  • Of the past 5 years USB 4 years had a positive operating cash flow.
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 0.98% is in line compared to the rest of the industry. USB outperforms 55.94% of 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 70.98% of the companies in the same industry.
Industry RankSector Rank
ROA 0.98%
ROE 10.75%
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 24.16% is in line compared to the rest of the industry. USB outperforms 48.02% of its industry peers.
  • In the last couple of years the Profit Margin of USB has grown nicely.
  • The Operating Margin and Gross Margin are not available for USB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.16%
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. Health

2.1 Basic Checks

  • USB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • USB has less 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.
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 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 76.25% 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.
  • Looking at the Debt to Equity ratio, with a value of 1.23, USB is doing worse than 86.02% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF 7.88
Altman-Z N/A
ROIC/WACCN/A
WACC13.15%
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. Growth

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.
  • Measured over the past years, USB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.52% on average per year.
  • USB shows a small growth in Revenue. In the last year, the Revenue has grown by 4.41%.
  • USB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.21% yearly.
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

  • USB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.00% yearly.
  • Based on estimates for the next years, USB will show a small growth in Revenue. The Revenue will grow by 4.78% on average per year.
EPS Next Y9.78%
EPS Next 2Y10.19%
EPS Next 3Y9.64%
EPS Next 5Y6%
Revenue Next Year5.61%
Revenue Next 2Y5.29%
Revenue Next 3Y4.78%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.83, the valuation of USB can be described as very reasonable.
  • USB's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of USB to the average of the S&P500 Index (27.10), we can say USB is valued rather cheaply.
  • 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.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. USB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.83
Fwd PE 10.78
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

  • Based on the Price/Free Cash Flow ratio, USB is valued a bit cheaper than 76.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.59
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)1.21
PEG (5Y)1.39
EPS Next 2Y10.19%
EPS Next 3Y9.64%

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

6

5. Dividend

5.1 Amount

  • USB has a Yearly Dividend Yield of 3.63%. Purely for dividend investing, there may be better candidates out there.
  • USB's Dividend Yield is a higher than the industry average which is at 2.74.
  • USB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 3.63%

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
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 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 2Y10.19%
EPS Next 3Y9.64%
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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Find the best dividend stocksShow peers with best dividend

US BANCORP

NYSE:USB (2/27/2026, 8:04:00 PM)

After market: 54.66 0 (0%)

54.66

-2.6 (-4.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-16
Inst Owners81.43%
Inst Owner Change2.88%
Ins Owners0.07%
Ins Owner Change4.43%
Market Cap85.00B
Revenue(TTM)28.54B
Net Income(TTM)6.81B
Analysts74.67
Price Target64.62 (18.22%)
Short Float %1.82%
Short Ratio2.6
Dividend
Industry RankSector Rank
Dividend Yield 3.63%
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)3.47%
PT rev (3m)13.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.31%
EPS NY rev (1m)1.83%
EPS NY rev (3m)2.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.29%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)1.27%
Valuation
Industry RankSector Rank
PE 11.83
Fwd PE 10.78
P/S 3.02
P/FCF 8.59
P/OCF 8.59
P/B 1.34
P/tB 1.87
EV/EBITDA N/A
EPS(TTM)4.62
EY8.45%
EPS(NY)5.07
Fwd EY9.28%
FCF(TTM)6.37
FCFY11.65%
OCF(TTM)6.37
OCFY11.65%
SpS18.12
BVpS40.73
TBVpS29.3
PEG (NY)1.21
PEG (5Y)1.39
Graham Number65.07
Profitability
Industry RankSector 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)0.89%
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 1.23
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
WACC13.15%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.08%
EPS 3Y1.18%
EPS 5Y8.52%
EPS Q2Q%17.76%
EPS Next Y9.78%
EPS Next 2Y10.19%
EPS Next 3Y9.64%
EPS Next 5Y6%
Revenue 1Y (TTM)4.41%
Revenue growth 3Y5.68%
Revenue growth 5Y4.21%
Sales Q2Q%5.13%
Revenue Next Year5.61%
Revenue Next 2Y5.29%
Revenue Next 3Y4.78%
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 1Y43%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y43%
OCF growth 3YN/A
OCF growth 5YN/A

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%.