US BANCORP (UB5.DE) Fundamental Analysis & Valuation

FRA:UB5 • US9029733048

Current stock price

44.815 EUR
+0.77 (+1.74%)
Last:

This UB5.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. UB5.DE Profitability Analysis

1.1 Basic Checks

  • UB5 had positive earnings in the past year.
  • In the past year UB5 had a positive cash flow from operations.
  • In the past 5 years UB5 has always been profitable.
  • Each year in the past 5 years UB5 had a positive operating cash flow.
UB5.DE Yearly Net Income VS EBIT VS OCF VS FCFUB5.DE 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

  • UB5 has a better Return On Assets (1.04%) than 63.79% of its industry peers.
  • With a Return On Equity value of 11.03%, UB5 perfoms like the industry average, outperforming 49.14% of the companies in the same industry.
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
UB5.DE Yearly ROA, ROE, ROICUB5.DE 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

  • UB5 has a Profit Margin (25.21%) which is in line with its industry peers.
  • UB5's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for UB5 so they could not be analyzed.
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
UB5.DE Yearly Profit, Operating, Gross MarginsUB5.DE 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

2

2. UB5.DE Health Analysis

2.1 Basic Checks

  • UB5 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • UB5 has less shares outstanding than it did 1 year ago.
  • UB5 has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for UB5 is higher compared to a year ago.
UB5.DE Yearly Shares OutstandingUB5.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
UB5.DE Yearly Total Debt VS Total AssetsUB5.DE 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 UB5 is 9.78, which is on the high side as it means it would take UB5, 9.78 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 9.78, UB5 belongs to the best of the industry, outperforming 80.17% of the companies in the same industry.
  • A Debt/Equity ratio of 1.20 is on the high side and indicates that UB5 has dependencies on debt financing.
  • UB5's Debt to Equity ratio of 1.20 is fine compared to the rest of the industry. UB5 outperforms 62.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.2
Debt/FCF 9.78
Altman-Z N/A
ROIC/WACCN/A
WACC12.96%
UB5.DE Yearly LT Debt VS Equity VS FCFUB5.DE 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
UB5.DE Yearly Current Assets VS Current LiabilitesUB5.DE 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. UB5.DE Growth Analysis

3.1 Past

  • UB5 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.08%, which is quite good.
  • The Earnings Per Share has been growing by 8.52% on average over the past years. This is quite good.
  • UB5 shows a small growth in Revenue. In the last year, the Revenue has grown by 4.41%.
  • UB5 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

  • The Earnings Per Share is expected to grow by 6.00% on average over the next years.
  • The Revenue is expected to grow by 5.09% on average over the next years.
EPS Next Y10.1%
EPS Next 2Y10.56%
EPS Next 3Y10.33%
EPS Next 5Y6%
Revenue Next Year5.8%
Revenue Next 2Y5.46%
Revenue Next 3Y5.09%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
UB5.DE Yearly Revenue VS EstimatesUB5.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B
UB5.DE Yearly EPS VS EstimatesUB5.DE 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. UB5.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • UB5 is valuated reasonably with a Price/Earnings ratio of 11.20.
  • Compared to the rest of the industry, the Price/Earnings ratio of UB5 is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 25.70. UB5 is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 10.17, the valuation of UB5 can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as UB5.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, UB5 is valued rather cheaply.
Industry RankSector Rank
PE 11.2
Fwd PE 10.17
UB5.DE Price Earnings VS Forward Price EarningsUB5.DE 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, UB5 is valued a bit cheaper than the industry average as 68.97% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.09
EV/EBITDA N/A
UB5.DE Per share dataUB5.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)1.11
PEG (5Y)1.32
EPS Next 2Y10.56%
EPS Next 3Y10.33%

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

6

5. UB5.DE Dividend Analysis

5.1 Amount

  • UB5 has a Yearly Dividend Yield of 4.04%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.59, UB5 is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, UB5 pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.04%

5.2 History

  • The dividend of UB5 has a limited annual growth rate of 3.70%.
Dividend Growth(5Y)3.7%
Div Incr Years1
Div Non Decr Years1
UB5.DE Yearly Dividends per shareUB5.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 48.68% of the earnings are spent on dividend by UB5. This is a bit on the high side, but may be sustainable.
  • The dividend of UB5 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.68%
EPS Next 2Y10.56%
EPS Next 3Y10.33%
UB5.DE Yearly Income VS Free CF VS DividendUB5.DE 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
UB5.DE Dividend Payout.UB5.DE Dividend Payout, showing the Payout Ratio.UB5.DE Dividend Payout.PayoutRetained Earnings

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UB5.DE Fundamentals: All Metrics, Ratios and Statistics

US BANCORP

FRA:UB5 (3/12/2026, 7:00:00 PM)

44.815

+0.77 (+1.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-16
Inst Owners83%
Inst Owner ChangeN/A
Ins Owners0.08%
Ins Owner ChangeN/A
Market Cap69.63B
Revenue(TTM)28.54B
Net Income(TTM)7.19B
Analysts75.33
Price Target48.66 (8.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.04%
Yearly Dividend1.96
Dividend Growth(5Y)3.7%
DP48.68%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)0%
PT rev (3m)0%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)3.99%
EPS NY rev (1m)0.29%
EPS NY rev (3m)2.61%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)1.39%
Valuation
Industry RankSector Rank
PE 11.2
Fwd PE 10.17
P/S 2.82
P/FCF 10.09
P/OCF 10.09
P/B 1.23
P/tB 1.69
EV/EBITDA N/A
EPS(TTM)4
EY8.93%
EPS(NY)4.41
Fwd EY9.83%
FCF(TTM)4.44
FCFY9.91%
OCF(TTM)4.44
OCFY9.91%
SpS15.91
BVpS36.34
TBVpS26.56
PEG (NY)1.11
PEG (5Y)1.32
Graham Number57.19
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 1.2
Debt/FCF 9.78
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
WACC12.96%
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)16.08%
EPS 3Y1.18%
EPS 5Y8.52%
EPS Q2Q%17.76%
EPS Next Y10.1%
EPS Next 2Y10.56%
EPS Next 3Y10.33%
EPS Next 5Y6%
Revenue 1Y (TTM)4.41%
Revenue growth 3Y5.68%
Revenue growth 5Y4.21%
Sales Q2Q%5.13%
Revenue Next Year5.8%
Revenue Next 2Y5.46%
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 / UB5.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of US BANCORP (UB5.DE) stock?

ChartMill assigns a fundamental rating of 4 / 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 4 / 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 5 / 10 and the dividend payout ratio is 48.68%.