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US BANCORP (USB) Stock Fundamental Analysis

NYSE:USB - New York Stock Exchange, Inc. - US9029733048 - Common Stock - Currency: USD

42.89  -1.52 (-3.42%)

After market: 43.13 +0.24 (+0.56%)

Fundamental Rating

3

USB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. USB has a bad profitability rating. Also its financial health evaluation is rather negative. USB is not valued too expensively and it also shows a decent growth rate. Finally USB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

USB had positive earnings in the past year.
USB had a positive operating cash flow in the past year.
USB had positive earnings in each of the past 5 years.
USB had a positive operating cash flow in each of the past 5 years.
USB Yearly Net Income VS EBIT VS OCF VS FCFUSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

The Return On Assets of USB (0.93%) is comparable to the rest of the industry.
USB has a better Return On Equity (10.49%) than 73.23% of its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 10.49%
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
USB Yearly ROA, ROE, ROICUSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of USB (22.86%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of USB has declined.
The Operating Margin and Gross Margin are not available for USB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.86%
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
USB Yearly Profit, Operating, Gross MarginsUSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2. Health

2.1 Basic Checks

USB does not have a ROIC to compare to the WACC, probably because it is not profitable.
USB has about the same amout of shares outstanding than it did 1 year ago.
USB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for USB is higher compared to a year ago.
USB Yearly Shares OutstandingUSB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
USB Yearly Total Debt VS Total AssetsUSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

The Debt to FCF ratio of USB is 9.25, which is on the high side as it means it would take USB, 9.25 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 9.25, USB is not doing good in the industry: 79.29% of the companies in the same industry are doing better.
USB has a Debt/Equity ratio of 1.28. This is a high value indicating a heavy dependency on external financing.
USB's Debt to Equity ratio of 1.28 is on the low side compared to the rest of the industry. USB is outperformed by 87.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.28
Debt/FCF 9.25
Altman-Z N/A
ROIC/WACCN/A
WACC14.31%
USB Yearly LT Debt VS Equity VS FCFUSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
USB Yearly Current Assets VS Current LiabilitesUSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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3. Growth

3.1 Past

USB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.23%.
The Earnings Per Share has been decreasing by -1.63% on average over the past years.
The Revenue has been growing slightly by 0.08% in the past year.
The Revenue has been growing slightly by 3.62% on average over the past years.
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

USB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.38% yearly.
USB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.26% yearly.
EPS Next Y10.02%
EPS Next 2Y10.2%
EPS Next 3Y10.29%
EPS Next 5Y5.38%
Revenue Next Year3.76%
Revenue Next 2Y4.16%
Revenue Next 3Y4.26%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
USB Yearly Revenue VS EstimatesUSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10B 20B 30B
USB Yearly EPS VS EstimatesUSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.44 indicates a reasonable valuation of USB.
Compared to the rest of the industry, the Price/Earnings ratio of USB indicates a somewhat cheap valuation: USB is cheaper than 70.96% of the companies listed in the same industry.
USB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.03.
The Price/Forward Earnings ratio is 8.87, which indicates a very decent valuation of USB.
Based on the Price/Forward Earnings ratio, USB is valued a bit cheaper than 63.89% of the companies in the same industry.
USB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.94.
Industry RankSector Rank
PE 10.44
Fwd PE 8.87
USB Price Earnings VS Forward Price EarningsUSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of USB indicates a somewhat cheap valuation: USB is cheaper than 78.54% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.04
EV/EBITDA N/A
USB Per share dataUSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

USB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.04
PEG (5Y)N/A
EPS Next 2Y10.2%
EPS Next 3Y10.29%

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5. Dividend

5.1 Amount

USB has a Yearly Dividend Yield of 4.49%, which is a nice return.
USB's Dividend Yield is rather good when compared to the industry average which is at 3.34. USB pays more dividend than 83.08% of the companies in the same industry.
USB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 4.49%

5.2 History

The dividend of USB has a limited annual growth rate of 4.83%.
USB has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.83%
Div Incr Years0
Div Non Decr Years0
USB Yearly Dividends per shareUSB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

54.91% of the earnings are spent on dividend by USB. This is a bit on the high side, but may be sustainable.
USB's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP54.91%
EPS Next 2Y10.2%
EPS Next 3Y10.29%
USB Yearly Income VS Free CF VS DividendUSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B
USB Dividend Payout.USB Dividend Payout, showing the Payout Ratio.USB Dividend Payout.PayoutRetained Earnings

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US BANCORP

NYSE:USB (5/21/2025, 8:04:00 PM)

After market: 43.13 +0.24 (+0.56%)

42.89

-1.52 (-3.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners82.08%
Inst Owner Change-0.89%
Ins Owners0.09%
Ins Owner Change6.68%
Market Cap66.91B
Analysts75.56
Price Target50.67 (18.14%)
Short Float %1.29%
Short Ratio1.58
Dividend
Industry RankSector Rank
Dividend Yield 4.49%
Yearly Dividend2.21
Dividend Growth(5Y)4.83%
DP54.91%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31 2025-03-31 (0.5)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.31%
Min EPS beat(2)0.45%
Max EPS beat(2)4.16%
EPS beat(4)4
Avg EPS beat(4)2.77%
Min EPS beat(4)0.45%
Max EPS beat(4)4.16%
EPS beat(8)6
Avg EPS beat(8)1.65%
EPS beat(12)10
Avg EPS beat(12)1.57%
EPS beat(16)13
Avg EPS beat(16)2.58%
Revenue beat(2)0
Avg Revenue beat(2)-1.03%
Min Revenue beat(2)-1.3%
Max Revenue beat(2)-0.76%
Revenue beat(4)0
Avg Revenue beat(4)-1.08%
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)-1.27%
Revenue beat(16)3
Avg Revenue beat(16)-1.03%
PT rev (1m)-9.03%
PT rev (3m)-13.32%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)-1.17%
EPS NY rev (1m)0.29%
EPS NY rev (3m)-0.63%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)-1.12%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.56%
Valuation
Industry RankSector Rank
PE 10.44
Fwd PE 8.87
P/S 2.43
P/FCF 8.04
P/OCF 8.04
P/B 1.11
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)4.11
EY9.58%
EPS(NY)4.83
Fwd EY11.27%
FCF(TTM)5.34
FCFY12.45%
OCF(TTM)5.34
OCFY12.45%
SpS17.68
BVpS38.52
TBVpS27.03
PEG (NY)1.04
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 10.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.86%
GM N/A
FCFM 30.19%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 1.28
Debt/FCF 9.25
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 132.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.31%
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 Y10.02%
EPS Next 2Y10.2%
EPS Next 3Y10.29%
EPS Next 5Y5.38%
Revenue 1Y (TTM)0.08%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%3.64%
Revenue Next Year3.76%
Revenue Next 2Y4.16%
Revenue Next 3Y4.26%
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-38.25%
FCF growth 3Y4.53%
FCF growth 5Y18.19%
OCF growth 1Y-38.25%
OCF growth 3Y4.53%
OCF growth 5Y18.19%