(USB) U.S. Bancorp - NYSE
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 90.567m USD | Total Return: 39.2% in 12m
Avg Turnover: 552M
EPS Trend: 87.7%
Qual. Beats: 1
Rev. Trend: 77.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality
U.S. Bancorp is a large-cap financial services holding company headquartered in Minneapolis, Minnesota, founded in 1863 and listed on the NYSE under the ticker USB. Classified within the GICS Diversified Banks sub-industry, the company provides a comprehensive range of banking, lending, payments, and wealth management services to consumers, businesses, institutions, and government entities across the United States.
Its operations are organized into four main segments: Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support. Service offerings include depository products (checking, savings, and time deposits), traditional and credit card lending, lease financing, agricultural finance, asset-backed lending, cash management, capital markets, trust and investment management, fund administration, mortgage banking, merchant and ATM processing, as well as insurance, brokerage, and leasing services.
As a bank holding company, USB is subject to oversight by the Federal Reserve and operates within the regulatory framework established under the Bank Holding Company Act, which governs capital, liquidity, and permissible activities for diversified US banks.
- Net interest margin expands as deposit costs stabilize
- Payment Services segment drives fee income growth
- Commercial real estate loan losses weigh on credit provisions
| Net Income: 7.81b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.14 > 1.0 |
| NWC/Revenue: -751.6% < 20% (prev -904.1%; Δ 152.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 9.60b > Net Income 7.81b |
| Net Debt (-138b) to EBITDA (10.5b): -13.10 < 3 |
| Current Ratio: 0.40 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.55b) vs 12m ago -0.32% < -2% |
| Gross Margin: 62.81% > 18% (prev 59.52%; Δ 3.29% > 0.5%) |
| Asset Turnover: 6.29% > 50% (prev 6.30%; Δ -0.00% > 0%) |
| Interest Coverage Ratio: 0.68 > 6 (EBIT TTM 9.78b / Interest Expense TTM 14.5b) |
| A: -0.46 (Total Current Assets 220b - Total Current Liabilities 546b) / Total Assets 701b |
| B: 0.12 (Retained Earnings 81.9b / Total Assets 701b) |
| C: 0.01 (EBIT TTM 9.78b / Avg Total Assets 689b) |
| D: 0.10 (Book Value of Equity 65.8b / Total Liabilities 635b) |
| Altman-Z'' = -2.46 = D |
As of June 29, 2026, the stock is trading at USD 60.91 with a total of 14,583,252 shares traded. Over the past week, the price has changed by +4.76%, over one month by +10.30%, over three months by +19.28% and over the past year by +39.18%.
Current recommended Stop Loss: 59.20 (which is 2.8% or 1.3 ATR below the current price).
U.S. Bancorp has received a consensus analysts rating of 3.96. Therefore, it is recommended to buy USB.
- StrongBuy: 9
- Buy: 6
- Hold: 8
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 63.5 | 4.3% |
P/E Trailing = 12.1887
P/E Forward = 11.5075
P/S = 3.3988
P/B = 1.5356
P/EG = 2.1299
Revenue TTM = 43.3b USD
EBIT TTM = 9.78b USD
EBITDA TTM = 10.5b USD
Long Term Debt = 61.4b USD (from longTermDebt, last quarter)
Short Term Debt = 17.9b USD (from shortTermDebt, last quarter)
Debt = 79.2b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -138b USD (calculated: Debt 79.2b - CCE 217b)
Enterprise Value = 90.6b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.68 (Ebit TTM 9.78b / Interest Expense TTM 14.5b)
EV/FCF = 9.44x (Enterprise Value 90.6b / FCF TTM 9.60b)
FCF Yield = 10.59% (FCF TTM 9.60b / Enterprise Value 90.6b)
FCF Margin = 22.14% (FCF TTM 9.60b / Revenue TTM 43.3b)
Net Margin = 18.02% (Net Income TTM 7.81b / Revenue TTM 43.3b)
Gross Margin = 62.81% ((Revenue TTM 43.3b - Cost of Revenue TTM 16.1b) / Revenue TTM)
Gross Margin QoQ = 61.69% (prev 66.85%)
Tobins Q-Ratio = 0.13 (Enterprise Value 90.6b / Total Assets 701b)
Interest Expense / Debt = 18.27% (Interest Expense 14.5b / Debt 79.2b)
Taxrate = 19.91% (1.95b / 9.78b)
NOPAT = 7.83b (EBIT 9.78b * (1 - 19.91%))
Current Ratio = 0.40 (Total Current Assets 220b / Total Current Liabilities 546b)
Debt / Equity = 1.20 (Debt 79.2b / totalStockholderEquity, last quarter 65.8b)
Debt / EBITDA = -13.10 (Net Debt -138b / EBITDA 10.5b)
Debt / FCF = -14.39 (Net Debt -138b / FCF TTM 9.60b)
Total Stockholder Equity = 63.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.13% (Net Income 7.81b / Total Assets 701b)
RoE = 12.22% (Net Income TTM 7.81b / Total Stockholder Equity 63.9b)
RoCE = 7.80% (EBIT 9.78b / Capital Employed (Equity 63.9b + L.T.Debt 61.4b))
RoIC = 4.59% (NOPAT 7.83b / Invested Capital 171b)
WACC = 11.54% (E(90.6b)/V(170b) * Re(8.84%) + D(79.2b)/V(170b) * Rd(18.27%) * (1-Tc(0.20)))
Discount Rate = 8.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -50.60 | Cagr: -0.09%
[DCF] Terminal Value 68.37% ; FCFF base≈9.09b ; Y1≈10.4b ; Y5≈15.3b
[DCF] Fair Price = 183.2 (EV 147b - Net Debt -138b = Equity 285b / Shares 1.56b; r=11.54% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 87.73 | EPS CAGR: 15.61% | SUE: 1.39 | # QB: 1
Revenue Correlation: 77.77 | Revenue CAGR: 5.52% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.27 | Chg30d=+1.84% | Revisions=+9% | Analysts=9
EPS next Quarter (2026-09-30): EPS=1.29 | Chg30d=-1.93% | Revisions=+9% | Analysts=9
EPS current Year (2026-12-31): EPS=5.10 | Chg30d=+0.04% | Revisions=+73% | GrowthEPS=+10.4% | GrowthRev=+6.7%
EPS next Year (2027-12-31): EPS=5.65 | Chg30d=-0.17% | Revisions=+71% | GrowthEPS=+10.8% | GrowthRev=+6.5%
[Analyst] Revisions Ratio: +73%