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US BANCORP (USB) Stock Fundamental Analysis

USA - NYSE:USB - US9029733048 - Common Stock

47.32 USD
+0.47 (+1%)
Last: 11/7/2025, 8:23:56 PM
47.34 USD
+0.02 (+0.04%)
After Hours: 11/7/2025, 8:23:56 PM
Fundamental Rating

3

USB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of USB have multiple concerns. USB has a decent growth rate and is not valued too expensively. Finally USB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year USB was profitable.
In the past year USB had a positive cash flow from operations.
Each year in the past 5 years USB has been profitable.
In the past 5 years USB always reported a positive cash flow from operatings.
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 (0.95%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 10.61%, USB is in the better half of the industry, outperforming 72.31% of the companies in the same industry.
Industry RankSector Rank
ROA 0.95%
ROE 10.61%
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

USB's Profit Margin of 23.52% is in line compared to the rest of the industry. USB outperforms 49.23% of its industry peers.
In the last couple of years the Profit Margin of USB has declined.
USB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.52%
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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0

2. Health

2.1 Basic Checks

USB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for USB remains at a similar level compared to 1 year ago.
The number of shares outstanding for USB has been increased compared to 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 10.56, which is on the high side as it means it would take USB, 10.56 years of fcf income to pay off all of its debts.
USB has a Debt to FCF ratio of 10.56. This is in the lower half of the industry: USB underperforms 77.44% of its industry peers.
USB has a Debt/Equity ratio of 1.29. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.29, USB is not doing good in the industry: 86.92% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.29
Debt/FCF 10.56
Altman-Z N/A
ROIC/WACCN/A
WACC13.78%
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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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.59% over the past year.
USB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.
USB shows a small growth in Revenue. In the last year, the Revenue has grown by 4.04%.
Measured over the past years, USB shows a small growth in Revenue. The Revenue has been growing by 3.62% on average per year.
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

Based on estimates for the next years, USB will show a small growth in Earnings Per Share. The EPS will grow by 7.43% on average per year.
USB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.35% yearly.
EPS Next Y14.99%
EPS Next 2Y11.59%
EPS Next 3Y11.54%
EPS Next 5Y7.43%
Revenue Next Year4.03%
Revenue Next 2Y4.22%
Revenue Next 3Y4.35%
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.
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 10.68 indicates a reasonable valuation of USB.
Based on the Price/Earnings ratio, USB is valued a bit cheaper than 63.85% of the companies in the same industry.
USB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.06.
Based on the Price/Forward Earnings ratio of 9.55, the valuation of USB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of USB is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, USB is valued rather cheaply.
Industry RankSector Rank
PE 10.68
Fwd PE 9.55
USB Price Earnings VS Forward Price EarningsUSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

USB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. USB is cheaper than 67.69% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.84
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.71
PEG (5Y)N/A
EPS Next 2Y11.59%
EPS Next 3Y11.54%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.44%, USB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.38, USB pays a better dividend. On top of this USB pays more dividend than 84.36% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, USB pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.44%

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.
USB has decreased its dividend recently.
Dividend Growth(5Y)4.83%
Div Incr Years1
Div Non Decr Years1
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 2

5.3 Sustainability

53.24% 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 more than its dividend. This makes the dividend growth sustainable.
DP53.24%
EPS Next 2Y11.59%
EPS Next 3Y11.54%
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 (11/7/2025, 8:23:56 PM)

After market: 47.34 +0.02 (+0.04%)

47.32

+0.47 (+1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16/bmo
Earnings (Next)01-20 2026-01-20/amc
Inst Owners82.28%
Inst Owner Change0.26%
Ins Owners0.07%
Ins Owner Change-0.62%
Market Cap73.64B
Revenue(TTM)28.18B
Net Income(TTM)6.52B
Analysts76.55
Price Target56.68 (19.78%)
Short Float %1.09%
Short Ratio1.74
Dividend
Industry RankSector Rank
Dividend Yield 4.44%
Yearly Dividend2.21
Dividend Growth(5Y)4.83%
DP53.24%
Div Incr Years1
Div Non Decr Years1
Ex-Date09-30 2025-09-30 (0.52)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.5%
Min EPS beat(2)2.83%
Max EPS beat(2)4.16%
EPS beat(4)4
Avg EPS beat(4)2.66%
Min EPS beat(4)0.45%
Max EPS beat(4)4.16%
EPS beat(8)7
Avg EPS beat(8)2.16%
EPS beat(12)10
Avg EPS beat(12)1.72%
EPS beat(16)13
Avg EPS beat(16)2.06%
Revenue beat(2)0
Avg Revenue beat(2)-1.38%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)-0.76%
Revenue beat(4)0
Avg Revenue beat(4)-1.49%
Min Revenue beat(4)-2.01%
Max Revenue beat(4)-0.76%
Revenue beat(8)0
Avg Revenue beat(8)-1.26%
Revenue beat(12)0
Avg Revenue beat(12)-1.49%
Revenue beat(16)2
Avg Revenue beat(16)-1.24%
PT rev (1m)2.64%
PT rev (3m)3.95%
EPS NQ rev (1m)0.89%
EPS NQ rev (3m)0.97%
EPS NY rev (1m)3.24%
EPS NY rev (3m)4.79%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)0.92%
Revenue NY rev (3m)0.98%
Valuation
Industry RankSector Rank
PE 10.68
Fwd PE 9.55
P/S 2.66
P/FCF 9.84
P/OCF 9.84
P/B 1.2
P/tB 1.69
EV/EBITDA N/A
EPS(TTM)4.43
EY9.36%
EPS(NY)4.96
Fwd EY10.47%
FCF(TTM)4.81
FCFY10.16%
OCF(TTM)4.81
OCFY10.16%
SpS17.81
BVpS39.48
TBVpS27.96
PEG (NY)0.71
PEG (5Y)N/A
Graham Number62.73
Profitability
Industry RankSector Rank
ROA 0.95%
ROE 10.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.52%
GM N/A
FCFM 27%
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 RankSector Rank
Debt/Equity 1.29
Debt/FCF 10.56
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 114.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.78%
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 Y14.99%
EPS Next 2Y11.59%
EPS Next 3Y11.54%
EPS Next 5Y7.43%
Revenue 1Y (TTM)4.04%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%6.83%
Revenue Next Year4.03%
Revenue Next 2Y4.22%
Revenue Next 3Y4.35%
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-48.57%
FCF growth 3Y4.53%
FCF growth 5Y18.19%
OCF growth 1Y-48.57%
OCF growth 3Y4.53%
OCF growth 5Y18.19%

US BANCORP / USB FAQ

Can you provide the ChartMill fundamental rating for US BANCORP?

ChartMill assigns a fundamental rating of 3 / 10 to USB.


What is the valuation status for USB stock?

ChartMill assigns a valuation rating of 6 / 10 to US BANCORP (USB). This can be considered as Fairly Valued.


How profitable is US BANCORP (USB) stock?

US BANCORP (USB) has a profitability rating of 3 / 10.


How financially healthy is US BANCORP?

The financial health rating of US BANCORP (USB) is 0 / 10.


What is the earnings growth outlook for US BANCORP?

The Earnings per Share (EPS) of US BANCORP (USB) is expected to grow by 14.99% in the next year.