USB Stock Analysis: U.S. Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 92.003m USD | 12M Return: 29.4% | US9029733048 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 461M
EPS Trend: 97.7%
Qual. Beats: 0
Rev. Trend: 91.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
U.S. Bancorp (NYSE: USB) is a Minneapolis-based financial services holding company founded in 1863, operating through four main segments: Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support. The company serves individuals, businesses, institutions, and government entities across the United States with a broad range of offerings including depository services (checking, savings, time deposits), lending products (credit cards, leasing, agricultural finance, asset-backed lending), cash management, capital markets, trust and investment management, and fund administration. Additional services include merchant and ATM processing, mortgage banking, insurance, brokerage, leasing, and corporate trust services. As a large-cap member of the Diversified Banks sub-industry within the Financials sector, U.S. Bancorp exemplifies the super-regional bank model, competing with peers like Truist and PNC by combining traditional consumer and commercial banking with extensive payment processing operations-its Payment Services segment makes it one of the largest merchant acquirers in the U.S. The company has been publicly traded since its 1987 IPO.
- Net interest margin compresses as Fed cuts rates
- Payment Services segment drives fee revenue growth
- Commercial real estate loans raise credit loss provisions
| Net Income: 8.38b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.69 > 1.0 |
| NWC/Revenue: -790.3% < 20% (prev -888.4%; Δ 98.03% < -1%) |
| CFO/TA 0.02 > 3% & CFO 12.4b > Net Income 8.38b |
| Net Debt (-130b) to EBITDA (11.6b): -11.16 < 3 |
| Current Ratio: 0.37 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.56b) vs 12m ago 0.13% < -2% |
| Gross Margin: 64.71% > 18% (prev 61.14%; Δ 3.57% > 0.5%) |
| Asset Turnover: 6.29% > 50% (prev 6.12%; Δ 0.17% > 0%) |
| Interest Coverage Ratio: 0.78 > 6 (EBIT TTM 10.7b / Interest Expense TTM 13.8b) |
| A: -0.49 (Total Current Assets 205b - Total Current Liabilities 553b) / Total Assets 703b |
| B: 0.12 (Retained Earnings 84.5b / Total Assets 703b) |
| C: 0.02 (EBIT TTM 10.7b / Avg Total Assets 699b) |
| D: 0.10 (Book Value of Equity 66.4b / Total Liabilities 636b) |
| Altman-Z'' = -2.64 = D |
As of October 27, 2026, the stock is trading at USD 59.58 with a total of 5,186,695 shares traded. Over the past week, the price has changed by +1.45%, over one month by +2.84%, over three months by -5.04% and over the past year by +29.39%.
Current recommended Stop Loss: 56.50 (which is 5.2% or 2.7 ATR below the current price).
U.S. Bancorp has received a consensus analysts rating of 4.21. Therefore, it is recommended to buy USB.
- StrongBuy: 13
- Buy: 3
- Hold: 8
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 68.5 | 14.9% |
P/E Trailing = 11.4883
P/E Forward = 10.4058
P/S = 3.2993
P/B = 1.5276
P/EG = 1.7932
Revenue TTM = 44.0b USD
EBIT TTM = 10.7b USD
EBITDA TTM = 11.6b USD
Long Term Debt = 60.8b USD (from longTermDebt, last fiscal year)
Short Term Debt = 21.0b USD (from shortTermDebt, last quarter)
Debt = 73.0b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -130b USD (calculated: Debt 73.0b - CCE 203b)
Enterprise Value = 92.0b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.78 (Ebit TTM 10.7b / Interest Expense TTM 13.8b)
EV/FCF = 7.43x (Enterprise Value 92.0b / FCF TTM 12.4b)
FCF Yield = 13.46% (FCF TTM 12.4b / Enterprise Value 92.0b)
FCF Margin = 28.15% (FCF TTM 12.4b / Revenue TTM 44.0b)
Net Margin = 19.04% (Net Income TTM 8.38b / Revenue TTM 44.0b)
Gross Margin = 64.71% ((Revenue TTM 44.0b - Cost of Revenue TTM 15.5b) / Revenue TTM)
Gross Margin QoQ = 64.81% (prev 65.44%)
Tobins Q-Ratio = 0.13 (Enterprise Value 92.0b / Total Assets 703b)
Interest Expense / Debt = 18.83% (Interest Expense 13.8b / Debt 73.0b)
Taxrate = 19.87% (2.08b / 10.5b)
NOPAT = 8.61b (EBIT 10.7b * (1 - 19.87%))
Current Ratio = 0.37 (Total Current Assets 205b / Total Current Liabilities 553b)
Debt / Equity = 1.10 (Debt 73.0b / totalStockholderEquity, last quarter 66.4b)
Debt / EBITDA = -11.16 (Net Debt -130b / EBITDA 11.6b)
Debt / FCF = -10.47 (Net Debt -130b / FCF TTM 12.4b)
Total Stockholder Equity = 66.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.20% (Net Income 8.38b / Total Assets 703b)
RoE = 12.65% (Net Income TTM 8.38b / Total Stockholder Equity 66.2b)
RoCE = 8.46% (EBIT 10.7b / Capital Employed (Equity 66.2b + L.T.Debt 60.8b))
RoIC = 5.09% (NOPAT 8.61b / Invested Capital 169b)
WACC = 11.28% (E(92.0b)/V(165b) * Re(8.26%) + D(73.0b)/V(165b) * Rd(18.83%) * (1-Tc(0.20)))
Discount Rate = 8.26% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -76.99 | Cagr: -0.06%
[DCF] Terminal Value 69.09% ; FCFF base≈10.4b ; Y1≈11.9b ; Y5≈17.6b
[DCF] Fair Price = 194.9 (EV 174b - Net Debt -130b = Equity 304b / Shares 1.56b; r=11.28% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 97.71 | EPS CAGR: 21.08% | SUE: 0.80 | # QB: 0
Revenue Correlation: 91.31 | Revenue CAGR: 2.19% | SUE: 0.63 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.31 | Chg30d=+0.44% | Revisions=+36% | Analysts=14
EPS current Year (2026-12-31): EPS=5.28 | Chg30d=+1.15% | Revisions=+47% | GrowthEPS=+14.2% | GrowthRev=+8.4%
EPS next Year (2027-12-31): EPS=5.83 | Chg30d=+0.56% | Revisions=+11% | GrowthEPS=+10.5% | GrowthRev=+7.3%
[Analyst] Revisions Ratio: +34% (up=26, down=12)