US BANCORP(NYSE:USB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, USB scores 3 out of 10 in our fundamental rating. USB was compared to 398 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.

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1. Profitability

1.1 Basic Checks

USB had positive earnings in the past year.

In the past year USB had a positive cash flow from operations.

Each year in the past 5 years USB has been profitable.

USB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

USB has a Return On Assets (0.87%) which is in line with its industry peers.

USB has a Return On Equity of 10.09%. This is in the better half of the industry: USB outperforms 66.83% of its industry peers.

		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

The Profit Margin of USB (21.62%) is comparable to the rest of the industry.

USB's Profit Margin has declined in the last couple of years.

USB 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for USB remains at a similar level compared to 1 year ago.

Compared to 5 years ago, USB has more shares outstanding

The debt/assets ratio for USB is higher compared to a year ago.

2.2 Solvency

USB has a debt to FCF ratio of 6.40. This is a slightly negative value and a sign of low solvency as USB would need 6.40 years to pay back of all of its debts.

The Debt to FCF ratio of USB (6.40) is worse than 72.36% of its industry peers.

USB has a Debt/Equity ratio of 1.23. This is a high value indicating a heavy dependency on external financing.

USB's Debt to Equity ratio of 1.23 is on the low side compared to the rest of the industry. USB is outperformed by 87.19% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.23
Debt/FCF	6.4
Altman-Z	N/A

ROIC/WACCN/A

WACC14.42%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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%.

USB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.

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

Based on estimates for the next years, USB 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

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.74, the valuation of USB can be described as reasonable.

USB's Price/Earnings ratio is a bit cheaper when compared to the industry. USB is cheaper than 77.39% 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 28.92.

The Price/Forward Earnings ratio is 8.28, which indicates a very decent valuation of USB.

USB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. USB is cheaper than 74.12% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, USB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.74
Fwd PE	8.28

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of USB indicates a rather cheap valuation: USB is cheaper than 90.95% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	5.54
EV/EBITDA	N/A

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

PEG (5Y)N/A

EPS Next 2Y10.24%

EPS Next 3Y10.36%

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5. Dividend

5.1 Amount

USB has a Yearly Dividend Yield of 5.06%, which is a nice return.

USB's Dividend Yield is rather good when compared to the industry average which is at 3.63. USB pays more dividend than 84.92% of the companies in the same industry.

USB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	5.06%

5.2 History

The dividend of USB has a limited annual growth rate of 4.83%.

USB has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)4.83%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

USB pays out 58.35% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of USB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.

DP58.35%

EPS Next 2Y10.24%

EPS Next 3Y10.36%

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US BANCORP

NYSE:USB (4/24/2025, 8:04:00 PM)

After market: 40.1 +0.05 (+0.12%)

40.05

+0.54 (+1.37%)

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 Change0.18%

Ins Owners0.09%

Ins Owner Change6.58%

Market Cap62.48B

Analysts74.81

Price Target51.11 (27.62%)

Short Float %1.62%

Short Ratio2.6

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.06%

Yearly Dividend2.21

Dividend Growth(5Y)4.83%

DP58.35%

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)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)-4.96%

PT rev (3m)-4.25%

EPS NQ rev (1m)-0.02%

EPS NQ rev (3m)2.6%

EPS NY rev (1m)-0.97%

EPS NY rev (3m)-0.25%

Revenue NQ rev (1m)-0.13%

Revenue NQ rev (3m)-0.11%

Revenue NY rev (1m)-0.4%

Revenue NY rev (3m)-0.55%

Valuation

		Industry Rank	Sector Rank
PE	9.74
Fwd PE	8.28
P/S	2.29
P/FCF	5.54
P/OCF	5.54
P/B	1.07
P/tB	1.54
EV/EBITDA	N/A

EPS(TTM)4.11

EY10.26%

EPS(NY)4.84

Fwd EY12.08%

FCF(TTM)7.23

FCFY18.04%

OCF(TTM)7.23

OCFY18.04%

SpS17.52

BVpS37.55

TBVpS25.96

PEG (NY)1

PEG (5Y)N/A

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

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-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

WACC14.42%

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 (USB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens