(USB) U.S. Bancorp - Ratings and Ratios
Banking, Credit, Investments, Insurance, Loans
USB EPS (Earnings per Share)
USB Revenue
Description: USB U.S. Bancorp
U.S. Bancorp is a financial services holding company that provides a wide range of financial services to individuals, businesses, and institutional organizations across the United States. The company operates through multiple segments, including Wealth, Corporate, Commercial and Institutional Banking, Consumer and Business Banking, Payment Services, and Treasury and Corporate Support.
The companys diverse product offerings include depository services, lending services, cash management, capital markets, trust and investment management services, and ancillary services such as treasury management and receivable lock-box collection services. Additionally, U.S. Bancorp provides asset management and fiduciary services, investment and insurance products, corporate and purchasing card services, and corporate trust services.
From a financial perspective, U.S. Bancorp has demonstrated stability and consistency, with a long history dating back to 1863. Key performance indicators (KPIs) such as the companys dividend yield, payout ratio, and efficiency ratio can provide further insights into its financial health. For instance, the companys dividend yield is around 3.5%, indicating a relatively attractive return for income-seeking investors. Moreover, U.S. Bancorps efficiency ratio is around 55%, suggesting a reasonable level of operational efficiency.
To further evaluate U.S. Bancorps investment potential, one can examine its return on equity (RoE) decomposition using the DuPont analysis, which breaks down RoE into three key components: profit margin, asset turnover, and financial leverage. This analysis can help investors understand the drivers behind the companys RoE of 11.44%. Furthermore, examining the companys net interest margin (NIM) and the ratio of non-performing assets (NPAs) to total assets can provide insights into its asset quality and profitability.
USB Stock Overview
| Market Cap in USD | 76,456m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1987-11-05 |
USB Stock Ratings
| Growth Rating | 20.8% |
| Fundamental | 60.7% |
| Dividend Rating | 75.9% |
| Return 12m vs S&P 500 | -2.07% |
| Analyst Rating | 3.96 of 5 |
USB Dividends
| Dividend Yield 12m | 5.35% |
| Yield on Cost 5y | 8.30% |
| Annual Growth 5y | 3.34% |
| Payout Consistency | 95.2% |
| Payout Ratio | 47.6% |
USB Growth Ratios
| Growth Correlation 3m | 66.4% |
| Growth Correlation 12m | -11.1% |
| Growth Correlation 5y | -4.2% |
| CAGR 5y | 9.39% |
| CAGR/Max DD 3y | 0.23 |
| CAGR/Mean DD 3y | 0.83 |
| Sharpe Ratio 12m | 0.26 |
| Alpha | 0.14 |
| Beta | 0.552 |
| Volatility | 28.75% |
| Current Volume | 10496.9k |
| Average Volume 20d | 8543.6k |
| Stop Loss | 48.1 (-3%) |
| Signal | 1.23 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (6.90b TTM) > 0 and > 6% of Revenue (6% = 2.54b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.35pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -910.4% (prev -915.3%; Δ 4.83pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 7.48b > Net Income 6.90b (YES >=105%, WARN >=100%) |
| Net Debt (21.25b) to EBITDA (9.53b) ratio: 2.23 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.28 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.56b) change vs 12m ago -0.13% (target <= -2.0% for YES) |
| Gross Margin 60.39% (prev 59.54%; Δ 0.84pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.20% (prev 6.20%; Δ -0.00pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.59 (EBITDA TTM 9.53b / Interest Expense TTM 14.61b) >= 6 (WARN >= 3) |
Altman Z'' -3.11
| (A) -0.56 = (Total Current Assets 148.38b - Total Current Liabilities 533.76b) / Total Assets 686.37b |
| (B) 0.11 = Retained Earnings (Balance) 78.65b / Total Assets 686.37b |
| (C) 0.01 = EBIT TTM 8.63b / Avg Total Assets 683.21b |
| (D) 0.11 = Book Value of Equity 70.06b / Total Liabilities 624.47b |
| Total Rating: -3.11 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.74
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 105.1% = 5.0 |
| 3. FCF Margin 17.68% = 4.42 |
| 4. Debt/Equity 1.29 = 1.73 |
| 5. Debt/Ebitda 8.29 = -2.50 |
| 6. ROIC - WACC (= -0.39)% = -0.49 |
| 7. RoE 11.55% = 0.96 |
| 8. Rev. Trend 74.51% = 5.59 |
| 9. EPS Trend -49.49% = -2.47 |
What is the price of USB shares?
Over the past week, the price has changed by +0.83%, over one month by +7.59%, over three months by +17.49% and over the past year by +16.07%.
Is U.S. Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of USB is around 46.60 USD . This means that USB is currently overvalued and has a potential downside of -6.07%.
Is USB a buy, sell or hold?
- 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 | 53.6 | 8% |
| Analysts Target Price | 53.6 | 8% |
| ValueRay Target Price | 50.7 | 2.2% |
Last update: 2025-09-15 04:46
USB Fundamental Data Overview
CCE Cash And Equivalents = 148.38b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 11.7536
P/E Forward = 10.1317
P/S = 2.9912
P/B = 1.3995
P/EG = 1.6339
Beta = 1.072
Revenue TTM = 42.33b USD
EBIT TTM = 8.63b USD
EBITDA TTM = 9.53b USD
Long Term Debt = 64.01b USD (from longTermDebt, last quarter)
Short Term Debt = 15.04b USD (from shortTermDebt, last quarter)
Debt = 79.05b USD (Calculated: Short Term 15.04b + Long Term 64.01b)
Net Debt = 21.25b USD (from netDebt column, last quarter)
Enterprise Value = 7.12b USD (76.46b + Debt 79.05b - CCE 148.38b)
Interest Coverage Ratio = 0.59 (Ebit TTM 8.63b / Interest Expense TTM 14.61b)
FCF Yield = 105.1% (FCF TTM 7.48b / Enterprise Value 7.12b)
FCF Margin = 17.68% (FCF TTM 7.48b / Revenue TTM 42.33b)
Net Margin = 16.30% (Net Income TTM 6.90b / Revenue TTM 42.33b)
Gross Margin = 60.39% ((Revenue TTM 42.33b - Cost of Revenue TTM 16.77b) / Revenue TTM)
Tobins Q-Ratio = 0.10 (Enterprise Value 7.12b / Book Value Of Equity 70.06b)
Interest Expense / Debt = 4.49% (Interest Expense 3.55b / Debt 79.05b)
Taxrate = 19.98% (1.58b / 7.91b)
NOPAT = 6.91b (EBIT 8.63b * (1 - 19.98%))
Current Ratio = 0.28 (Total Current Assets 148.38b / Total Current Liabilities 533.76b)
Debt / Equity = 1.29 (Debt 79.05b / last Quarter total Stockholder Equity 61.44b)
Debt / EBITDA = 8.29 (Net Debt 21.25b / EBITDA 9.53b)
Debt / FCF = 10.56 (Debt 79.05b / FCF TTM 7.48b)
Total Stockholder Equity = 59.74b (last 4 quarters mean)
RoA = 1.01% (Net Income 6.90b, Total Assets 686.37b )
RoE = 11.55% (Net Income TTM 6.90b / Total Stockholder Equity 59.74b)
RoCE = 6.98% (Ebit 8.63b / (Equity 59.74b + L.T.Debt 64.01b))
RoIC = 5.40% (NOPAT 6.91b / Invested Capital 128.00b)
WACC = 5.79% (E(76.46b)/V(155.51b) * Re(8.05%)) + (D(79.05b)/V(155.51b) * Rd(4.49%) * (1-Tc(0.20)))
Shares Correlation 3-Years: 72.89 | Cagr: 0.44%
Discount Rate = 8.05% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 75.21% ; FCFE base≈8.42b ; Y1≈6.97b ; Y5≈5.07b
Fair Price DCF = 60.04 (DCF Value 93.43b / Shares Outstanding 1.56b; 5y FCF grow -20.72% → 3.0% )
EPS Correlation: -49.49 | EPS CAGR: -2.20% | SUE: 2.10 | # QB: 6
Revenue Correlation: 74.51 | Revenue CAGR: 14.83% | SUE: 2.04 | # QB: 2
Additional Sources for USB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle