US BANCORP (UB5.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:UB5 - US9029733048 - Common Stock
42.49 EUR
+1.22 (+2.94%)
Overall UB5 gets a fundamental rating of 4 out of 10. We evaluated UB5 against 108 industry peers in the Banks industry. UB5 has a bad profitability rating. Also its financial health evaluation is rather negative. UB5 is not valued too expensively and it also shows a decent growth rate. Finally UB5 also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
UB5 had positive earnings in the past year.
UB5 had a positive operating cash flow in the past year.
UB5 had positive earnings in each of the past 5 years.
UB5 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UB5 has a Return On Assets (0.87%) which is comparable to the rest of the industry.
UB5 has a Return On Equity (10.09%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 10.09% | ||
| 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's Profit Margin of 21.62% is in line compared to the rest of the industry. UB5 outperforms 45.37% of its industry peers.
UB5's Profit Margin has declined in the last couple of years.
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) | 21.62% | ||
| 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.
UB5 has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for UB5 has been increased compared to 5 years ago.
UB5 has a worse debt/assets ratio than last year.
2.2 Solvency
UB5 has a debt to FCF ratio of 6.40. This is a slightly negative value and a sign of low solvency as UB5 would need 6.40 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.40, UB5 belongs to the top of the industry, outperforming 87.04% of the companies in the same industry.
A Debt/Equity ratio of 1.23 is on the high side and indicates that UB5 has dependencies on debt financing.
UB5 has a better Debt to Equity ratio (1.23) than 71.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | 6.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.05%
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 been growing slightly by 1.23% over the past year.
UB5 shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.
Looking at the last year, UB5 shows a small growth in Revenue. The Revenue has grown by 0.08% in the last year.
Measured over the past years, UB5 shows a small growth in Revenue. The Revenue has been growing by 3.62% on average per year.
EPS 1Y (TTM)1.23%
EPS 3Y-7.93%
EPS 5Y-1.63%
EPS Q2Q%14.44%
Revenue 1Y (TTM)0.08%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%3.64%
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 5.38% on average per year.
The Revenue is expected to grow by 4.04% on average over the next years.
EPS Next Y9.71%
EPS Next 2Y10.24%
EPS Next 3Y10.36%
EPS Next 5Y5.38%
Revenue Next Year3.65%
Revenue Next 2Y4.04%
Revenue Next 3Y4.04%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.97, the valuation of UB5 can be described as reasonable.
UB5's Price/Earnings ratio is a bit more expensive when compared to the industry. UB5 is more expensive than 70.37% of the companies in the same industry.
UB5's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
UB5 is valuated reasonably with a Price/Forward Earnings ratio of 10.18.
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 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 10.18 |
4.2 Price Multiples
UB5's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UB5 is cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.81 | ||
| 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)1.23
PEG (5Y)N/A
EPS Next 2Y10.24%
EPS Next 3Y10.36%
5. Dividend
5.1 Amount
UB5 has a Yearly Dividend Yield of 4.99%, which is a nice return.
Compared to an average industry Dividend Yield of 4.85, UB5 pays a bit more dividend than its industry peers.
UB5's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
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
58.35% 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 around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP58.35%
EPS Next 2Y10.24%
EPS Next 3Y10.36%
FRA:UB5 (11/27/2025, 7:00:00 PM)
42.49
+1.22 (+2.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.08%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap66.28B
Revenue(TTM)27.58B
Net Income(TTM)5.91B
Analysts74.81
Price Target44.13 (3.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
Yearly Dividend1.95
Dividend Growth(5Y)4.83%
DP58.35%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.82%
Min EPS beat(2)0.45%
Max EPS beat(2)3.19%
EPS beat(4)4
Avg EPS beat(4)2.1%
Min EPS beat(4)0.45%
Max EPS beat(4)3.29%
EPS beat(8)6
Avg EPS beat(8)1.46%
EPS beat(12)10
Avg EPS beat(12)1.56%
EPS beat(16)13
Avg EPS beat(16)5.45%
Revenue beat(2)0
Avg Revenue beat(2)-1.59%
Min Revenue beat(2)-1.88%
Max Revenue beat(2)-1.3%
Revenue beat(4)0
Avg Revenue beat(4)-1.24%
Min Revenue beat(4)-1.88%
Max Revenue beat(4)-0.36%
Revenue beat(8)0
Avg Revenue beat(8)-1.17%
Revenue beat(12)1
Avg Revenue beat(12)-1.26%
Revenue beat(16)3
Avg Revenue beat(16)-1.13%
PT rev (1m)-21.3%
PT rev (3m)-19.12%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)2.6%
EPS NY rev (1m)-0.7%
EPS NY rev (3m)-0.25%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)-0.11%
Revenue NY rev (1m)-0.72%
Revenue NY rev (3m)-0.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 10.18 | ||
| P/S | 2.81 | ||
| P/FCF | 6.81 | ||
| P/OCF | 6.81 | ||
| P/B | 1.31 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.55
EY8.35%
EPS(NY)4.17
Fwd EY9.83%
FCF(TTM)6.24
FCFY14.68%
OCF(TTM)6.24
OCFY14.68%
SpS15.12
BVpS32.41
TBVpS22.4
PEG (NY)1.23
PEG (5Y)N/A
Graham Number50.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 10.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.62% | ||
| GM | N/A | ||
| FCFM | 41.24% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | 6.4 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 190.78% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.05%
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)1.23%
EPS 3Y-7.93%
EPS 5Y-1.63%
EPS Q2Q%14.44%
EPS Next Y9.71%
EPS Next 2Y10.24%
EPS Next 3Y10.36%
EPS Next 5Y5.38%
Revenue 1Y (TTM)0.08%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%3.64%
Revenue Next Year3.65%
Revenue Next 2Y4.04%
Revenue Next 3Y4.04%
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 1Y33.46%
FCF growth 3Y4.53%
FCF growth 5Y18.19%
OCF growth 1Y33.46%
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 4 / 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 9.71% in the next year.
Is the dividend of US BANCORP sustainable?
The dividend rating of US BANCORP (UB5.DE) is 7 / 10 and the dividend payout ratio is 58.35%.