(USB) U.S. Bancorp - Overview
Stock: Banking, Payments, Lending, Investments, Trust
| Risk 5d forecast | |
|---|---|
| Volatility | 27.7% |
| Relative Tail Risk | -5.80% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.84 |
| Alpha | 6.30 |
| Character TTM | |
|---|---|
| Beta | 1.025 |
| Beta Downside | 1.499 |
| Drawdowns 3y | |
|---|---|
| Max DD | 31.29% |
| CAGR/Max DD | 0.44 |
EPS (Earnings per Share)
Revenue
Description: USB U.S. Bancorp March 04, 2026
U.S. Bancorp is a diversified financial services holding company operating in the United States. The company provides a broad range of financial services to various client types, including individuals, businesses, and institutional organizations. Diversified banks typically offer a wide array of services beyond traditional lending and deposit-taking, encompassing wealth management, payment processing, and capital markets activities.
USBs operations are segmented into Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support. This structure allows the company to cater to distinct customer needs across different financial product categories. The banking sector is characterized by stringent regulatory oversight and relies on interest income from lending and fee income from services.
Key services offered include depository accounts, various lending products such as traditional credit and credit cards, and lease financing. Additionally, the company provides cash management, capital markets, trust and investment management services, and asset management. Payment services, including corporate and purchasing cards, merchant processing, and ATM services, are also significant offerings. This comprehensive service model is common among large financial institutions seeking to capture multiple revenue streams.
For more detailed financial analysis and performance metrics, consider exploring ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 7.58b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.51 > 1.0 |
| NWC/Revenue: 69.36% < 20% (prev -896.0%; Δ 965.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 7.97b > Net Income 7.58b |
| Net Debt (31.04b) to EBITDA (10.29b): 3.02 < 3 |
| Current Ratio: 2.73 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.56b) vs 12m ago -0.26% < -2% |
| Gross Margin: 62.83% > 18% (prev 0.59%; Δ 6225 % > 0.5%) |
| Asset Turnover: 6.25% > 50% (prev 6.30%; Δ -0.04% > 0%) |
| Interest Coverage Ratio: 0.66 > 6 (EBITDA TTM 10.29b / Interest Expense TTM 14.32b) |
Altman Z'' 0.88
| A: 0.04 (Total Current Assets 46.89b - Total Current Liabilities 17.16b) / Total Assets 692.35b |
| B: 0.12 (Retained Earnings 80.91b / Total Assets 692.35b) |
| C: 0.01 (EBIT TTM 9.52b / Avg Total Assets 685.33b) |
| D: 0.12 (Book Value of Equity 73.94b / Total Liabilities 626.69b) |
| Altman-Z'' Score: 0.88 = B |
Beneish M
| DSRI: none (Receivables none/8.27b, Revenue 42.86b/42.71b) |
| GMI: 0.94 (GM 62.83% / 58.76%) |
| AQI: 1.20 (AQ_t 0.93 / AQ_t-1 0.77) |
| SGI: 1.00 (Revenue 42.86b / 42.71b) |
| TATA: -0.00 (NI 7.58b - CFO 7.97b) / TA 692.35b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of USB shares?
Over the past week, the price has changed by -5.85%, over one month by -8.80%, over three months by +6.19% and over the past year by +26.01%.
Is USB a buy, sell or hold?
- StrongBuy: 9
- Buy: 6
- Hold: 8
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the USB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 64.2 | 19.1% |
| Analysts Target Price | 64.2 | 19.1% |
USB Fundamental Data Overview March 06, 2026
P/E Forward = 10.8108
P/S = 3.2036
P/B = 1.4367
P/EG = 1.8965
Revenue TTM = 42.86b USD
EBIT TTM = 9.52b USD
EBITDA TTM = 10.29b USD
Long Term Debt = 60.76b USD (from longTermDebt, last quarter)
Short Term Debt = 17.16b USD (from shortTermDebt, last quarter)
Debt = 77.93b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 31.04b USD (from netDebt column, last quarter)
Enterprise Value = 115.46b USD (84.43b + Debt 77.93b - CCE 46.89b)
Interest Coverage Ratio = 0.66 (Ebit TTM 9.52b / Interest Expense TTM 14.32b)
EV/FCF = 14.49x (Enterprise Value 115.46b / FCF TTM 7.97b)
FCF Yield = 6.90% (FCF TTM 7.97b / Enterprise Value 115.46b)
FCF Margin = 18.59% (FCF TTM 7.97b / Revenue TTM 42.86b)
Net Margin = 17.68% (Net Income TTM 7.58b / Revenue TTM 42.86b)
Gross Margin = 62.83% ((Revenue TTM 42.86b - Cost of Revenue TTM 15.93b) / Revenue TTM)
Gross Margin QoQ = 66.85% (prev 61.14%)
Tobins Q-Ratio = 0.17 (Enterprise Value 115.46b / Total Assets 692.35b)
Interest Expense / Debt = 4.67% (Interest Expense 3.64b / Debt 77.93b)
Taxrate = 19.03% (482.0m / 2.53b)
NOPAT = 7.71b (EBIT 9.52b * (1 - 19.03%))
Current Ratio = 2.73 (Total Current Assets 46.89b / Total Current Liabilities 17.16b)
Debt / Equity = 1.20 (Debt 77.93b / totalStockholderEquity, last quarter 65.19b)
Debt / EBITDA = 3.02 (Net Debt 31.04b / EBITDA 10.29b)
Debt / FCF = 3.89 (Net Debt 31.04b / FCF TTM 7.97b)
Total Stockholder Equity = 62.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.11% (Net Income 7.58b / Total Assets 692.35b)
RoE = 12.12% (Net Income TTM 7.58b / Total Stockholder Equity 62.52b)
RoCE = 7.72% (EBIT 9.52b / Capital Employed (Equity 62.52b + L.T.Debt 60.76b))
RoIC = 5.87% (NOPAT 7.71b / Invested Capital 131.33b)
WACC = 7.00% (E(84.43b)/V(162.35b) * Re(9.97%) + D(77.93b)/V(162.35b) * Rd(4.67%) * (1-Tc(0.19)))
Discount Rate = 9.97% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.06%
[DCF] Terminal Value 78.80% ; FCFF base≈9.29b ; Y1≈7.49b ; Y5≈5.16b
[DCF] Fair Price = 55.46 (EV 117.21b - Net Debt 31.04b = Equity 86.18b / Shares 1.55b; r=7.00% [WACC]; 5y FCF grow -23.18% → 2.90% )
EPS Correlation: 13.25 | EPS CAGR: 6.64% | SUE: 3.81 | # QB: 8
Revenue Correlation: 81.78 | Revenue CAGR: 18.47% | SUE: 3.00 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.26 | Chg7d=-0.000 | Chg30d=+0.005 | Revisions Net=+2 | Analysts=13
EPS current Year (2026-12-31): EPS=5.03 | Chg7d=+0.001 | Chg30d=+0.043 | Revisions Net=+5 | Growth EPS=+9.0% | Growth Revenue=+6.3%
EPS next Year (2027-12-31): EPS=5.57 | Chg7d=+0.009 | Chg30d=+0.095 | Revisions Net=+5 | Growth EPS=+10.7% | Growth Revenue=+5.8%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.5% (Discount Rate 10.0% - Earnings Yield 8.5%)
[Growth] Growth Spread = +6.5% (Analyst 7.9% - Implied 1.5%)