US BANCORP (UB5.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:UB5 - US9029733048 - Common Stock
46.16 EUR
-1.77 (-3.68%)
UB5 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 111 industry peers in the Banks industry. Both the profitability and financial health of UB5 have multiple concerns. UB5 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year UB5 was profitable.
- UB5 had a positive operating cash flow in the past year.
- UB5 had positive earnings in each of the past 5 years.
- Each year in the past 5 years UB5 had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 0.98%, UB5 is doing good in the industry, outperforming 65.77% of the companies in the same industry.
- UB5's Return On Equity of 10.75% is in line compared to the rest of the industry. UB5 outperforms 51.35% 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
- UB5 has a Profit Margin of 24.16%. This is comparable to the rest of the industry: UB5 outperforms 54.05% of its industry peers.
- In the last couple of years the Profit Margin of UB5 has declined.
- UB5 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
- UB5 does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for UB5 remains at a similar level compared to 1 year ago.
- The number of shares outstanding for UB5 has been increased compared to 5 years ago.
- Compared to 1 year ago, UB5 has a worse debt to assets ratio.
2.2 Solvency
- UB5 has a debt to FCF ratio of 7.88. This is a slightly negative value and a sign of low solvency as UB5 would need 7.88 years to pay back of all of its debts.
- The Debt to FCF ratio of UB5 (7.88) is better than 83.78% of its industry peers.
- A Debt/Equity ratio of 1.23 is on the high side and indicates that UB5 has dependencies on debt financing.
- The Debt to Equity ratio of UB5 (1.23) is better than 67.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | 7.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.9%
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.
- Measured over the past years, UB5 shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.63% on average per year.
- UB5 shows a small growth in Revenue. In the last year, the Revenue has grown by 4.04%.
- UB5 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, UB5 will show a small growth in Earnings Per Share. The EPS will grow by 7.43% on average per year.
- UB5 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.51% yearly.
EPS Next Y15.19%
EPS Next 2Y11.77%
EPS Next 3Y11.54%
EPS Next 5Y7.43%
Revenue Next Year4.15%
Revenue Next 2Y4.43%
Revenue Next 3Y4.51%
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 accelerating.
- 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 12.12 indicates a correct valuation of UB5.
- UB5's Price/Earnings ratio is in line with the industry average.
- UB5's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
- With a Price/Forward Earnings ratio of 10.80, the valuation of UB5 can be described as very reasonable.
- UB5's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UB5 is cheaper than 60.36% of the companies in the same industry.
- UB5 is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 10.8 |
4.2 Price Multiples
- UB5's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UB5 is cheaper than 72.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.44 | ||
| 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)0.8
PEG (5Y)N/A
EPS Next 2Y11.77%
EPS Next 3Y11.54%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.86%, UB5 has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 4.03, UB5 has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.84, UB5 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
5.2 History
- The dividend of UB5 has a limited annual growth rate of 4.83%.
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 UB5. This is a bit on the high side, but may be sustainable.
- UB5's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP51.09%
EPS Next 2Y11.77%
EPS Next 3Y11.54%
FRA:UB5 (1/12/2026, 7:00:00 PM)
46.16
-1.77 (-3.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16/bmo
Earnings (Next)01-20 2026-01-20/bmo
Inst Owners81.43%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap71.83B
Revenue(TTM)28.18B
Net Income(TTM)6.81B
Analysts76.55
Price Target48.66 (5.42%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.86% |
Yearly Dividend1.9
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)0%
PT rev (3m)10.27%
EPS NQ rev (1m)1.26%
EPS NQ rev (3m)1.21%
EPS NY rev (1m)0.13%
EPS NY rev (3m)5%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 10.8 | ||
| P/S | 2.96 | ||
| P/FCF | 8.44 | ||
| P/OCF | 8.44 | ||
| P/B | 1.32 | ||
| P/tB | 1.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.81
EY8.25%
EPS(NY)4.27
Fwd EY9.26%
FCF(TTM)5.47
FCFY11.85%
OCF(TTM)5.47
OCFY11.85%
SpS15.57
BVpS34.99
TBVpS25.17
PEG (NY)0.8
PEG (5Y)N/A
Graham Number54.77
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
WACC13.9%
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 Year4.15%
Revenue Next 2Y4.43%
Revenue Next 3Y4.51%
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 / UB5.DE FAQ
What is the ChartMill fundamental rating of US BANCORP (UB5.DE) stock?
ChartMill assigns a fundamental rating of 3 / 10 to UB5.DE.
What is the valuation status for UB5 stock?
ChartMill assigns a valuation rating of 5 / 10 to US BANCORP (UB5.DE). This can be considered as Fairly Valued.
What is the profitability of UB5 stock?
US BANCORP (UB5.DE) has a profitability rating of 3 / 10.
How financially healthy is US BANCORP?
The financial health rating of US BANCORP (UB5.DE) is 2 / 10.
Can you provide the dividend sustainability for UB5 stock?
The dividend rating of US BANCORP (UB5.DE) is 6 / 10 and the dividend payout ratio is 51.09%.