US BANCORP (UB5.DE) Stock Fundamental Analysis
FRA:UB5 • US9029733048
48.97 EUR
-1.66 (-3.28%)
Last: Feb 12, 2026, 07:00 PM
Overall UB5 gets a fundamental rating of 3 out of 10. We evaluated UB5 against 114 industry peers in the Banks industry. Both the profitability and financial health of UB5 have multiple concerns. UB5 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- UB5 had positive earnings in the past year.
- In the past year UB5 had a positive cash flow from operations.
- UB5 had positive earnings in each of the past 5 years.
- UB5 had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- UB5's Return On Assets of 0.98% is in line compared to the rest of the industry. UB5 outperforms 58.77% of its industry peers.
- Looking at the Return On Equity, with a value of 10.75%, UB5 is in line with its industry, outperforming 49.12% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- UB5's Profit Margin of 24.16% is in line compared 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 grown nicely.
- 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 3Y3.48%
PM growth 5Y4.85%
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.
- UB5 has less shares outstanding than it did 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
- The Debt to FCF ratio of UB5 is 7.88, which is on the high side as it means it would take UB5, 7.88 years of fcf income to pay off all of its debts.
- UB5's Debt to FCF ratio of 7.88 is amongst the best of the industry. UB5 outperforms 82.46% 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.
- UB5 has a Debt to Equity ratio of 1.23. This is in the better half of the industry: UB5 outperforms 65.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | 7.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.56%
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 16.08% over the past year.
- 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%.
- Measured over the past years, UB5 shows a small growth in Revenue. The Revenue has been growing by 4.21% on average per year.
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
- Based on estimates for the next years, UB5 will show a small growth in Earnings Per Share. The EPS will grow by 6.20% on average per year.
- UB5 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.67% yearly.
EPS Next Y9.78%
EPS Next 2Y10.19%
EPS Next 3Y9.64%
EPS Next 5Y6.2%
Revenue Next Year5.51%
Revenue Next 2Y5.2%
Revenue Next 3Y4.67%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.59, UB5 is valued correctly.
- Based on the Price/Earnings ratio, UB5 is valued a bit more expensive than the industry average as 61.40% of the companies are valued more cheaply.
- The average S&P500 Price/Earnings ratio is at 27.97. UB5 is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 11.46, the valuation of UB5 can be described as 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 27.96, UB5 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.59 | ||
| Fwd PE | 11.46 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, UB5 is valued a bit cheaper than the industry average as 71.93% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.14 | ||
| EV/EBITDA | N/A |
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)1.29
PEG (5Y)1.48
EPS Next 2Y10.19%
EPS Next 3Y9.64%
5. Dividend
5.1 Amount
- UB5 has a Yearly Dividend Yield of 3.52%.
- Compared to an average industry Dividend Yield of 4.12, UB5 has a dividend in line with its industry peers.
- UB5's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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 2Y10.19%
EPS Next 3Y9.64%
FRA:UB5 (2/12/2026, 7:00:00 PM)
48.97
-1.66 (-3.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20 2026-01-20/bmo
Earnings (Next)04-16 2026-04-16
Inst Owners81.43%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap76.21B
Revenue(TTM)28.54B
Net Income(TTM)6.81B
Analysts76.55
Price Target48.66 (-0.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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)0%
PT rev (3m)10.27%
EPS NQ rev (1m)0.89%
EPS NQ rev (3m)1.21%
EPS NY rev (1m)2.02%
EPS NY rev (3m)4.86%
Revenue NQ rev (1m)0.26%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)1.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.59 | ||
| Fwd PE | 11.46 | ||
| P/S | 3.21 | ||
| P/FCF | 9.14 | ||
| P/OCF | 9.14 | ||
| P/B | 1.43 | ||
| P/tB | 1.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.89
EY7.94%
EPS(NY)4.27
Fwd EY8.72%
FCF(TTM)5.36
FCFY10.94%
OCF(TTM)5.36
OCFY10.94%
SpS15.25
BVpS34.28
TBVpS24.65
PEG (NY)1.29
PEG (5Y)1.48
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)0.89%
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 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
WACC13.56%
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 5Y6.2%
Revenue 1Y (TTM)4.41%
Revenue growth 3Y5.68%
Revenue growth 5Y4.21%
Sales Q2Q%5.13%
Revenue Next Year5.51%
Revenue Next 2Y5.2%
Revenue Next 3Y4.67%
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 / 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 4 / 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%.