US BANCORP (UB5.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:UB5 - US9029733048 - Common Stock
46.5 EUR
+1.15 (+2.54%)
We assign a fundamental rating of 3 out of 10 to UB5. UB5 was compared to 114 industry peers in the Banks industry. UB5 has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
Each year in the past 5 years UB5 has been profitable.
In the past 5 years UB5 always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of UB5 (0.98%) is better than 63.16% of its industry peers.
With a Return On Equity value of 10.75%, UB5 perfoms like the industry average, outperforming 50.00% 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
UB5 has a Profit Margin of 24.16%. This is comparable to the rest of the industry: UB5 outperforms 52.63% of its industry peers.
In the last couple of years the Profit Margin of UB5 has declined.
The Operating Margin and Gross Margin are not available for UB5 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
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.
The debt/assets ratio for UB5 is higher compared to a year ago.
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.
With a decent Debt to FCF ratio value of 7.88, UB5 is doing good in the industry, outperforming 79.82% of the companies in the same industry.
UB5 has a Debt/Equity ratio of 1.23. This is a high value indicating a heavy dependency on external financing.
UB5 has a better Debt to Equity ratio (1.23) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | 7.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UB5 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.
UB5 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
The Earnings Per Share is expected to grow by 7.43% on average over the next years.
The Revenue is expected to grow by 4.36% on average over the next years.
EPS Next Y15.05%
EPS Next 2Y11.6%
EPS Next 3Y11.52%
EPS Next 5Y7.43%
Revenue Next Year4.04%
Revenue Next 2Y4.25%
Revenue Next 3Y4.36%
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
With a Price/Earnings ratio of 12.37, UB5 is valued correctly.
Based on the Price/Earnings ratio, UB5 is valued a bit more expensive than the industry average as 62.28% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.57, UB5 is valued rather cheaply.
A Price/Forward Earnings ratio of 11.06 indicates a reasonable valuation of UB5.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UB5 is on the same level as its industry peers.
UB5 is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.37 | ||
| Fwd PE | 11.06 |
4.2 Price Multiples
71.05% of the companies in the same industry are more expensive than UB5, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.62 | ||
| 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)0.82
PEG (5Y)N/A
EPS Next 2Y11.6%
EPS Next 3Y11.52%
5. Dividend
5.1 Amount
UB5 has a Yearly Dividend Yield of 3.79%.
UB5's Dividend Yield is comparable with the industry average which is at 4.17.
Compared to an average S&P500 Dividend Yield of 2.00, UB5 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
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
UB5 pays out 51.09% of its income as dividend. 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.
DP51.09%
EPS Next 2Y11.6%
EPS Next 3Y11.52%
FRA:UB5 (12/22/2025, 7:00:00 PM)
46.5
+1.15 (+2.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.22%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap72.36B
Revenue(TTM)28.18B
Net Income(TTM)6.81B
Analysts76.55
Price Target48.66 (4.65%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
Yearly Dividend1.88
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)10.27%
PT rev (3m)10.27%
EPS NQ rev (1m)-0.06%
EPS NQ rev (3m)-0.06%
EPS NY rev (1m)4.87%
EPS NY rev (3m)4.87%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.37 | ||
| Fwd PE | 11.06 | ||
| P/S | 3.03 | ||
| P/FCF | 8.62 | ||
| P/OCF | 8.62 | ||
| P/B | 1.35 | ||
| P/tB | 1.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.76
EY8.09%
EPS(NY)4.21
Fwd EY9.04%
FCF(TTM)5.4
FCFY11.61%
OCF(TTM)5.4
OCFY11.61%
SpS15.36
BVpS34.53
TBVpS24.83
PEG (NY)0.82
PEG (5Y)N/A
Graham Number54.05
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
WACC13.87%
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 Y15.05%
EPS Next 2Y11.6%
EPS Next 3Y11.52%
EPS Next 5Y7.43%
Revenue 1Y (TTM)4.04%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%6.83%
Revenue Next Year4.04%
Revenue Next 2Y4.25%
Revenue Next 3Y4.36%
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 of US BANCORP (UB5.DE) 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.
Can you provide the expected EPS growth for UB5 stock?
The Earnings per Share (EPS) of US BANCORP (UB5.DE) is expected to grow by 15.05% in the next year.
Is the dividend of US BANCORP sustainable?
The dividend rating of US BANCORP (UB5.DE) is 6 / 10 and the dividend payout ratio is 51.09%.