(USB) U.S. Bancorp - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US9029733048

Banking, Lending, Payments, Investment, Trust

Stock: Diversified Banks
Age 38.2y

MCap 84,657m
Avg Vol 9.43M (526M USD)

Beta 0.991
Volatility 27.80%

EPS (Earnings per Share)

EPS CAGR: 3.56%
EPS Trend: -5.7%

Last SUE: 4.00
Qual. Beats: 7

Revenue

Rev. CAGR: 18.14%
Rev. Trend: 86.0%

Last SUE: 0.80
Qual. Beats: 0

Dividends

Dividend Yield	4.33%
Yield on Cost 5y	5.52%
Yield CAGR 5y	3.76%
Payout Consistency	95.2%
Payout Ratio	46.1%

Risk via 5d forecast
Volatility	27.8%
Value at Risk 5%th	42.4%
Relative Tail Risk	-7.26%

Reward TTM
Sharpe Ratio	0.69
Alpha	3.44
CAGR/Max DD	0.24

Character TTM
Hurst Exponent	0.534
Beta	0.991
Beta Downside	1.209

Drawdowns 3y
Max DD	41.64%
Mean DD	14.25%
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
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.42 > 1.0
NWC/Revenue: -1116 % < 20% (prev -897.8%; Δ -218.5% < -1%)
CFO/TA 0.01 > 3% & CFO 9.90b > Net Income 7.19b
Net Debt (11.35b) to EBITDA (9.98b): 1.14 < 3
Current Ratio: 0.12 > 1.5 & < 3
Outstanding Shares: last quarter (1.56b) vs 12m ago -0.26% < -2%
Gross Margin: 61.14% > 18% (prev 0.59%; Δ 6055 % > 0.5%)
Asset Turnover: 6.16% > 50% (prev 6.18%; Δ -0.02% > 0%)
Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 9.98b / Interest Expense TTM 14.37b)

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 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)
Altman-Z'' Score: -3.90= D

Beneish M -2.95

DSRI: 1.00 (Receivables 8.27b/8.24b, Revenue 42.55b/42.43b)
GMI: 0.96 (GM 61.14% / 58.68%)
AQI: 1.19 (AQ_t 0.90 / AQ_t-1 0.76)
SGI: 1.00 (Revenue 42.55b / 42.43b)
TATA: -0.00 (NI 7.19b - CFO 9.90b) / TA 695.36b)
Beneish M-Score: -2.95 = A

ValueRay F-Score (Strict, 0-100) 69.33

1. Piotroski: 4.50pt
2. FCF Yield: 10.31%
3. FCF Margin: 23.27%
4. Debt/Equity: 1.23
5. Debt/Ebitda: 1.14
6. ROIC - WACC: -1.20%
7. RoE: 11.81%
8. Revenue Trend: 86.01%
9. EPS Trend: -5.70%

What is the price of USB shares?

As of January 23, 2026, the stock is trading at USD 56.18 with a total of 19,964,559 shares traded.
Over the past week, the price has changed by +4.13%, over one month by +3.38%, over three months by +19.85% and over the past year by +20.62%.

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	60.8	8.2%
Analysts Target Price	60.8	8.2%
ValueRay Target Price	60	6.7%

USB Fundamental Data Overview January 18, 2026

P/E Trailing = 12.4485
P/E Forward = 11.0988
P/S = 3.2544
P/B = 1.4958
P/EG = 1.3376
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 = 96.00b USD (84.66b + Debt 77.98b - CCE 66.64b)
Interest Coverage Ratio = 0.63 (Ebit TTM 9.09b / Interest Expense TTM 14.37b)
EV/FCF = 9.70x (Enterprise Value 96.00b / FCF TTM 9.90b)
FCF Yield = 10.31% (FCF TTM 9.90b / Enterprise Value 96.00b)
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 = 0.14 (Enterprise Value 96.00b / 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 = 1.04% (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 = 6.79% (E(84.66b)/V(162.64b) * Re(9.57%) + D(77.98b)/V(162.64b) * Rd(4.75%) * (1-Tc(0.21)))
Discount Rate = 9.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.35%
[DCF Debug] Terminal Value 80.15% ; FCFF base≈8.71b ; Y1≈7.21b ; Y5≈5.24b
Fair Price DCF = 72.78 (EV 124.48b - Net Debt 11.35b = Equity 113.13b / Shares 1.55b; r=6.79% [WACC]; 5y FCF grow -20.72% → 2.90% )
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=+0.005 | Revisions Net=-2 | Analysts=15
EPS next Year (2026-12-31): EPS=4.92 | Chg30d=+0.039 | Revisions Net=+8 | Growth EPS=+8.2% | Growth Revenue=+5.0%

Additional Sources for USB Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle