USB Stock Analysis: U.S. Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 99.648m USD | 12M Return: 44.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 537M
EPS Trend: 95.6%
Qual. Beats: 2
Rev. Trend: 82.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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 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: 8.17b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.11 > 1.0 |
| NWC/Revenue: -1.10k% < 20% (prev -892.1%; Δ -204.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 9.60b > Net Income 8.17b |
| Net Debt (29.5b) to EBITDA (10.9b): 2.72 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.55b) vs 12m ago -0.26% < -2% |
| Gross Margin: 63.78% > 18% (prev 60.39%; Δ 3.40% > 0.5%) |
| Asset Turnover: 6.19% > 50% (prev 6.17%; Δ 0.03% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBIT TTM 10.2b / Interest Expense TTM 14.2b) |
| A: -0.66 (Total Current Assets 66.5b - Total Current Liabilities 546b) / Total Assets 726b |
| B: 0.11 (Retained Earnings 83.2b / Total Assets 726b) |
| C: 0.01 (EBIT TTM 10.2b / Avg Total Assets 706b) |
| D: 0.10 (Book Value of Equity 67.4b / Total Liabilities 658b) |
| Altman-Z'' = -3.76 = D |
As of July 27, 2026, the stock is trading at USD 63.97 with a total of 5,456,267 shares traded. Over the past week, the price has changed by +1.31%, over one month by +5.92%, over three months by +15.27% and over the past year by +44.33%.
Current recommended Stop Loss: 62.20 (which is 2.8% or 1.4 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 | 70.3 | 9.8% |
P/E Trailing = 12.7685
P/E Forward = 12.285
P/S = 3.6473
P/B = 1.6273
P/EG = 2.1181
Revenue TTM = 43.7b USD
EBIT TTM = 10.2b USD
EBITDA TTM = 10.9b USD
Long Term Debt = 60.8b USD (from longTermDebt, last fiscal year)
Short Term Debt = 37.3b USD (from shortTermDebt, last quarter)
Debt = 96.0b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 29.5b USD (calculated: Debt 96.0b - CCE 66.5b)
Enterprise Value = 129b USD (99.6b + Debt 96.0b - CCE 66.5b)
Interest Coverage Ratio = 0.72 (Ebit TTM 10.2b / Interest Expense TTM 14.2b)
EV/FCF = 13.46x (Enterprise Value 129b / FCF TTM 9.60b)
FCF Yield = 7.43% (FCF TTM 9.60b / Enterprise Value 129b)
FCF Margin = 21.94% (FCF TTM 9.60b / Revenue TTM 43.7b)
Net Margin = 18.69% (Net Income TTM 8.17b / Revenue TTM 43.7b)
Gross Margin = 63.78% ((Revenue TTM 43.7b - Cost of Revenue TTM 15.8b) / Revenue TTM)
Gross Margin QoQ = 65.44% (prev 61.69%)
Tobins Q-Ratio = 0.18 (Enterprise Value 129b / Total Assets 726b)
Interest Expense / Debt = 14.74% (Interest Expense 14.2b / Debt 96.0b)
Taxrate = 19.72% (2.01b / 10.2b)
NOPAT = 8.19b (EBIT 10.2b * (1 - 19.72%))
Current Ratio = 0.12 (Total Current Assets 66.5b / Total Current Liabilities 546b)
Debt / Equity = 1.42 (Debt 96.0b / totalStockholderEquity, last quarter 67.4b)
Debt / EBITDA = 2.72 (Net Debt 29.5b / EBITDA 10.9b)
Debt / FCF = 3.08 (Net Debt 29.5b / FCF TTM 9.60b)
Total Stockholder Equity = 65.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.16% (Net Income 8.17b / Total Assets 726b)
RoE = 12.49% (Net Income TTM 8.17b / Total Stockholder Equity 65.4b)
RoCE = 8.09% (EBIT 10.2b / Capital Employed (Equity 65.4b + L.T.Debt 60.8b))
RoIC = 1.13% (NOPAT 8.19b / Invested Capital 724b)
WACC = 10.41% (E(99.6b)/V(196b) * Re(9.03%) + D(96.0b)/V(196b) * Rd(14.74%) * (1-Tc(0.20)))
Discount Rate = 9.03% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -83.87 | Cagr: -0.11%
[DCF] Terminal Value 71.61% ; FCFF base≈9.09b ; Y1≈10.4b ; Y5≈15.3b
[DCF] Fair Price = 89.65 (EV 169b - Net Debt 29.5b = Equity 140b / Shares 1.56b; r=10.41% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 95.65 | EPS CAGR: 19.42% | SUE: 2.60 | # QB: 2
Revenue Correlation: 81.95 | Revenue CAGR: 3.27% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.32 | Chg30d=+1.80% | Revisions=+17% | Analysts=16
EPS current Year (2026-12-31): EPS=5.24 | Chg30d=+2.95% | Revisions=+38% | GrowthEPS=+13.4% | GrowthRev=+8.5%
EPS next Year (2027-12-31): EPS=5.78 | Chg30d=+2.39% | Revisions=+17% | GrowthEPS=+10.4% | GrowthRev=+6.8%
[Analyst] Revisions Ratio: +36% (up=8, down=3)