(USB) U.S. Bancorp - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US9029733048
Banking, Lending, Payments, Investment, Trust
Dividends
| Dividend Yield | 3.93% |
| Yield on Cost 5y | 5.42% |
| Yield CAGR 5y | 4.19% |
| Payout Consistency | 90.7% |
| Payout Ratio | 45.6% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 28.6% |
| Value at Risk 5%th | 43.3% |
| Relative Tail Risk | -7.94% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.10 |
| Alpha | -10.84 |
| CAGR/Max DD | 0.27 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.528 |
| Beta | 1.026 |
| Beta Downside | 1.241 |
| Drawdowns 3y | |
|---|---|
| Max DD | 41.64% |
| Mean DD | 14.27% |
| Median DD | 11.41% |
Description: USB U.S. Bancorp December 02, 2025
U.S. Bancorp (NYSE: USB) is a diversified financial-services holding company that serves individuals, businesses, institutions, governments and other banks across the United States. Its operations are organized into Wealth, Corporate, Commercial & Institutional Banking; Consumer & Business Banking; Payment Services; and Treasury & Corporate Support. The firm offers a full suite of depository products (checking, savings, time-deposit certificates), lending solutions (traditional loans, credit cards, lease financing, trade finance, asset-backed and agricultural loans), cash-management and treasury services, capital-markets and trust functions, as well as asset-management, fiduciary, insurance, brokerage, mortgage, and leasing services.
Key metrics as of Q3 2024 show total assets of roughly $580 billion, a loan-to-deposit ratio near 71 %, and a return on equity of about 13 %. Net interest income rose 6 % year-over-year to $5.5 billion, reflecting the Fed’s higher policy rates that have expanded the bank’s net interest margin. The bank’s loan growth has been anchored by commercial real-estate and small-business portfolios, while its deposit base remains resilient amid a competitive retail-banking environment.
For a deeper quantitative comparison, you might explore USB’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (7.19b TTM) > 0 and > 6% of Revenue (6% = 2.55b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.42pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1116 % (prev -897.8%; Δ -218.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 9.90b > Net Income 7.19b (YES >=105%, WARN >=100%) |
| Net Debt (11.35b) to EBITDA (9.98b) ratio: 1.14 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.12 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.56b) change vs 12m ago -0.26% (target <= -2.0% for YES) |
| Gross Margin 61.14% (prev 58.68%; Δ 2.46pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.16% (prev 6.18%; Δ -0.02pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.63 (EBITDA TTM 9.98b / Interest Expense TTM 14.37b) >= 6 (WARN >= 3) |
Altman Z'' -3.90
| (A) -0.68 = (Total Current Assets 66.64b - Total Current Liabilities 541.60b) / Total Assets 695.36b |
| (B) 0.11 = Retained Earnings (Balance) 79.74b / Total Assets 695.36b |
| (C) 0.01 = EBIT TTM 9.09b / Avg Total Assets 690.91b |
| (D) 0.11 = Book Value of Equity 72.02b / Total Liabilities 631.56b |
| Total Rating: -3.90 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 69.29
| 1. Piotroski 4.50pt |
| 2. FCF Yield 10.87% |
| 3. FCF Margin 23.27% |
| 4. Debt/Equity 1.23 |
| 5. Debt/Ebitda 1.14 |
| 6. ROIC - WACC (= -1.23)% |
| 7. RoE 11.81% |
| 8. Rev. Trend 86.01% |
| 9. EPS Trend -5.70% |
What is the price of USB shares?
As of December 09, 2025, the stock is trading at USD 51.41 with a total of 5,532,022 shares traded.
Over the past week, the price has changed by +4.05%, over one month by +8.05%, over three months by +6.81% and over the past year by +4.70%.
Over the past week, the price has changed by +4.05%, over one month by +8.05%, over three months by +6.81% and over the past year by +4.70%.
Is USB a buy, sell or hold?
U.S. Bancorp has received a consensus analysts rating of 3.96.
Therefore, it is recommended to buy USB.
- Strong Buy: 9
- Buy: 6
- Hold: 8
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the USB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 55.6 | 8.2% |
| Analysts Target Price | 55.6 | 8.2% |
| ValueRay Target Price | 53.4 | 3.9% |
USB Fundamental Data Overview December 09, 2025
Market Cap USD = 79.77b (79.77b USD * 1.0 USD.USD)
P/E Trailing = 11.73
P/E Forward = 9.9404
P/S = 3.0666
P/B = 1.4095
P/EG = 1.6032
Beta = 1.109
Revenue TTM = 42.55b USD
EBIT TTM = 9.09b USD
EBITDA TTM = 9.98b USD
Long Term Debt = 62.53b USD (from longTermDebt, last quarter)
Short Term Debt = 15.45b USD (from shortTermDebt, last quarter)
Debt = 77.98b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 11.35b USD (from netDebt column, last quarter)
Enterprise Value = 91.12b USD (79.77b + Debt 77.98b - CCE 66.64b)
Interest Coverage Ratio = 0.63 (Ebit TTM 9.09b / Interest Expense TTM 14.37b)
FCF Yield = 10.87% (FCF TTM 9.90b / Enterprise Value 91.12b)
FCF Margin = 23.27% (FCF TTM 9.90b / Revenue TTM 42.55b)
Net Margin = 16.89% (Net Income TTM 7.19b / Revenue TTM 42.55b)
Gross Margin = 61.14% ((Revenue TTM 42.55b - Cost of Revenue TTM 16.54b) / Revenue TTM)
Gross Margin QoQ = 61.14% (prev 61.49%)
Tobins Q-Ratio = 0.13 (Enterprise Value 91.12b / Total Assets 695.36b)
Interest Expense / Debt = 4.75% (Interest Expense 3.71b / Debt 77.98b)
Taxrate = 20.70% (524.0m / 2.53b)
NOPAT = 7.21b (EBIT 9.09b * (1 - 20.70%))
Current Ratio = 0.12 (Total Current Assets 66.64b / Total Current Liabilities 541.60b)
Debt / Equity = 1.23 (Debt 77.98b / totalStockholderEquity, last quarter 63.34b)
Debt / EBITDA = 1.14 (Net Debt 11.35b / EBITDA 9.98b)
Debt / FCF = 1.15 (Net Debt 11.35b / FCF TTM 9.90b)
Total Stockholder Equity = 60.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.03% (Net Income 7.19b / Total Assets 695.36b)
RoE = 11.81% (Net Income TTM 7.19b / Total Stockholder Equity 60.86b)
RoCE = 7.37% (EBIT 9.09b / Capital Employed (Equity 60.86b + L.T.Debt 62.53b))
RoIC = 5.59% (NOPAT 7.21b / Invested Capital 128.97b)
WACC = 6.82% (E(79.77b)/V(157.75b) * Re(9.80%) + D(77.98b)/V(157.75b) * Rd(4.75%) * (1-Tc(0.21)))
Discount Rate = 9.80% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.03%
[DCF Debug] Terminal Value 68.45% ; FCFE base≈8.71b ; Y1≈7.21b ; Y5≈5.25b
Fair Price DCF = 46.81 (DCF Value 72.76b / Shares Outstanding 1.55b; 5y FCF grow -20.72% → 3.0% )
EPS Correlation: -5.70 | EPS CAGR: 3.56% | SUE: 4.0 | # QB: 7
Revenue Correlation: 86.01 | Revenue CAGR: 18.14% | SUE: 0.80 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.08 | Chg30d=+0.018 | Revisions Net=+8 | Analysts=14
EPS next Year (2026-12-31): EPS=4.88 | Chg30d=+0.019 | Revisions Net=+17 | Growth EPS=+7.5% | Growth Revenue=+4.7%
P/E Trailing = 11.73
P/E Forward = 9.9404
P/S = 3.0666
P/B = 1.4095
P/EG = 1.6032
Beta = 1.109
Revenue TTM = 42.55b USD
EBIT TTM = 9.09b USD
EBITDA TTM = 9.98b USD
Long Term Debt = 62.53b USD (from longTermDebt, last quarter)
Short Term Debt = 15.45b USD (from shortTermDebt, last quarter)
Debt = 77.98b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 11.35b USD (from netDebt column, last quarter)
Enterprise Value = 91.12b USD (79.77b + Debt 77.98b - CCE 66.64b)
Interest Coverage Ratio = 0.63 (Ebit TTM 9.09b / Interest Expense TTM 14.37b)
FCF Yield = 10.87% (FCF TTM 9.90b / Enterprise Value 91.12b)
FCF Margin = 23.27% (FCF TTM 9.90b / Revenue TTM 42.55b)
Net Margin = 16.89% (Net Income TTM 7.19b / Revenue TTM 42.55b)
Gross Margin = 61.14% ((Revenue TTM 42.55b - Cost of Revenue TTM 16.54b) / Revenue TTM)
Gross Margin QoQ = 61.14% (prev 61.49%)
Tobins Q-Ratio = 0.13 (Enterprise Value 91.12b / Total Assets 695.36b)
Interest Expense / Debt = 4.75% (Interest Expense 3.71b / Debt 77.98b)
Taxrate = 20.70% (524.0m / 2.53b)
NOPAT = 7.21b (EBIT 9.09b * (1 - 20.70%))
Current Ratio = 0.12 (Total Current Assets 66.64b / Total Current Liabilities 541.60b)
Debt / Equity = 1.23 (Debt 77.98b / totalStockholderEquity, last quarter 63.34b)
Debt / EBITDA = 1.14 (Net Debt 11.35b / EBITDA 9.98b)
Debt / FCF = 1.15 (Net Debt 11.35b / FCF TTM 9.90b)
Total Stockholder Equity = 60.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.03% (Net Income 7.19b / Total Assets 695.36b)
RoE = 11.81% (Net Income TTM 7.19b / Total Stockholder Equity 60.86b)
RoCE = 7.37% (EBIT 9.09b / Capital Employed (Equity 60.86b + L.T.Debt 62.53b))
RoIC = 5.59% (NOPAT 7.21b / Invested Capital 128.97b)
WACC = 6.82% (E(79.77b)/V(157.75b) * Re(9.80%) + D(77.98b)/V(157.75b) * Rd(4.75%) * (1-Tc(0.21)))
Discount Rate = 9.80% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.03%
[DCF Debug] Terminal Value 68.45% ; FCFE base≈8.71b ; Y1≈7.21b ; Y5≈5.25b
Fair Price DCF = 46.81 (DCF Value 72.76b / Shares Outstanding 1.55b; 5y FCF grow -20.72% → 3.0% )
EPS Correlation: -5.70 | EPS CAGR: 3.56% | SUE: 4.0 | # QB: 7
Revenue Correlation: 86.01 | Revenue CAGR: 18.14% | SUE: 0.80 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.08 | Chg30d=+0.018 | Revisions Net=+8 | Analysts=14
EPS next Year (2026-12-31): EPS=4.88 | Chg30d=+0.019 | Revisions Net=+17 | Growth EPS=+7.5% | Growth Revenue=+4.7%
Additional Sources for USB Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle