US BANCORP (USB) Stock Fundamental Analysis
NYSE:USB - New York Stock Exchange, Inc. - US9029733048 - Common Stock - Currency: USD
Taking everything into account, USB scores 3 out of 10 in our fundamental rating. USB was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of USB have multiple concerns. USB is not valued too expensively and it also shows a decent growth rate. USB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year USB was profitable.
USB had a positive operating cash flow in the past year.
Each year in the past 5 years USB has been profitable.
Each year in the past 5 years USB had a positive operating cash flow.
1.2 Ratios
USB's Return On Assets of 0.93% is in line compared to the rest of the industry. USB outperforms 58.59% of its industry peers.
Looking at the Return On Equity, with a value of 10.49%, USB is in the better half of the industry, outperforming 73.48% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
USB has a Profit Margin (22.86%) which is in line with its industry peers.
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) | 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
2. Health
2.1 Basic Checks
USB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, USB has about the same amount of shares outstanding.
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.
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.
USB has a Debt to FCF ratio of 9.25. This is in the lower half of the industry: USB underperforms 78.79% of its industry peers.
A Debt/Equity ratio of 1.28 is on the high side and indicates that USB has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.28, USB is doing worse than 87.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.28 | ||
| Debt/FCF | 9.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.18%
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 8.16% 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.
Looking at the last year, USB shows a small growth in Revenue. The Revenue has grown by 1.69% in the last year.
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)8.16%
EPS 3Y-7.93%
EPS 5Y-1.63%
EPS Q2Q%13.27%
Revenue 1Y (TTM)1.69%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%2.43%
3.2 Future
The Earnings Per Share is expected to grow by 5.38% on average over the next years.
The Revenue is expected to grow by 4.01% on average over the next years.
EPS Next Y9.73%
EPS Next 2Y10.11%
EPS Next 3Y10.29%
EPS Next 5Y5.38%
Revenue Next Year3.52%
Revenue Next 2Y3.97%
Revenue Next 3Y4.01%
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.
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
USB is valuated reasonably with a Price/Earnings ratio of 10.95.
Compared to the rest of the industry, the Price/Earnings ratio of USB indicates a somewhat cheap valuation: USB is cheaper than 74.75% 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 27.46.
A Price/Forward Earnings ratio of 9.62 indicates a reasonable valuation of USB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of USB indicates a somewhat cheap valuation: USB is cheaper than 63.64% of the companies listed 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 36.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.95 | ||
| Fwd PE | 9.62 |
4.2 Price Multiples
USB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. USB is cheaper than 78.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.69 | ||
| 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)1.13
PEG (5Y)N/A
EPS Next 2Y10.11%
EPS Next 3Y10.29%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.38%, USB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.29, USB pays a better dividend. On top of this USB pays more dividend than 82.07% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, USB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.38% |
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.
The dividend of USB decreased recently.
Dividend Growth(5Y)4.83%
Div Incr Years1
Div Non Decr Years1
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.
The dividend of USB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP54.91%
EPS Next 2Y10.11%
EPS Next 3Y10.29%
NYSE:USB (7/22/2025, 1:53:00 PM)
46.44
+0.66 (+1.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.25%
Inst Owner Change-0.1%
Ins Owners0.08%
Ins Owner Change6.86%
Market Cap72.35B
Analysts75.71
Price Target54.19 (16.69%)
Short Float %1.63%
Short Ratio2.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.38% |
Yearly Dividend2.21
Dividend Growth(5Y)4.83%
DP54.91%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)5.94%
PT rev (3m)-2.72%
EPS NQ rev (1m)-0.16%
EPS NQ rev (3m)0.02%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)-0.15%
Revenue NQ rev (3m)-0.39%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.95 | ||
| Fwd PE | 9.62 | ||
| P/S | 2.62 | ||
| P/FCF | 8.69 | ||
| P/OCF | 8.69 | ||
| P/B | 1.2 | ||
| P/tB | 1.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.24
EY9.13%
EPS(NY)4.83
Fwd EY10.39%
FCF(TTM)5.34
FCFY11.51%
OCF(TTM)5.34
OCFY11.51%
SpS17.7
BVpS38.57
TBVpS27.06
PEG (NY)1.13
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC14.18%
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)8.16%
EPS 3Y-7.93%
EPS 5Y-1.63%
EPS Q2Q%13.27%
EPS Next Y9.73%
EPS Next 2Y10.11%
EPS Next 3Y10.29%
EPS Next 5Y5.38%
Revenue 1Y (TTM)1.69%
Revenue growth 3Y6.36%
Revenue growth 5Y3.62%
Sales Q2Q%2.43%
Revenue Next Year3.52%
Revenue Next 2Y3.97%
Revenue Next 3Y4.01%
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%