(USB) U.S. Bancorp - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 80.808m USD | Total Return: 50% in 12m

Stock Banking, Payments, Lending, Investments, Trust

Total Rating 58

Safety 72

Buy Signal 0.73

Banks - Regional +8.3
Diversified Banks +8.6

Market Cap: 80,808m
Avg Trading Vol: 538M USD

ATR: 2.51%
Peers RS (IBD): 28.7

Risk 5d forecast

Volatility26.4%

Rel. Tail Risk-6.92%

Reward TTM

Sharpe Ratio0.92

Alpha13.64

Character TTM

Beta1.018

Beta Downside1.583

Drawdowns 3y

Max DD30.63%

CAGR/Max DD0.64

EPS (Earnings per Share)

EPS CAGR: 6.64%
EPS Trend: 13.3%

Last SUE: 3.81
Qual. Beats: 8

Revenue

Rev. CAGR: 18.47%
Rev. Trend: 81.8%

Last SUE: 3.00
Qual. Beats: 1

Description: USB U.S. Bancorp

U.S. Bancorp is a diversified financial services holding company operating in the United States. The company provides a broad range of financial services to various client types, including individuals, businesses, and institutional organizations. Diversified banks typically offer a wide array of services beyond traditional lending and deposit-taking, encompassing wealth management, payment processing, and capital markets activities.

USBs operations are segmented into Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support. This structure allows the company to cater to distinct customer needs across different financial product categories. The banking sector is characterized by stringent regulatory oversight and relies on interest income from lending and fee income from services.

Key services offered include depository accounts, various lending products such as traditional credit and credit cards, and lease financing. Additionally, the company provides cash management, capital markets, trust and investment management services, and asset management. Payment services, including corporate and purchasing cards, merchant processing, and ATM services, are also significant offerings. This comprehensive service model is common among large financial institutions seeking to capture multiple revenue streams.

For more detailed financial analysis and performance metrics, consider exploring ValueRay.

Headlines to Watch Out For

Net interest income growth hinges on Federal Reserve rate policy
Loan demand sensitive to economic growth and consumer confidence
Regulatory capital requirements impact dividend and share repurchase capacity
Payment services revenue tied to transaction volumes
Non-interest expenses influenced by technology investments

Piotroski VR‑10 (Strict) 4.0

Net Income: 7.58b TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.51 > 1.0
NWC/Revenue: -937.1% < 20% (prev -896.0%; Δ -41.11% < -1%)
CFO/TA 0.01 > 3% & CFO 7.97b > Net Income 7.58b
Net Debt (31.04b) to EBITDA (10.29b): 3.02 < 3
Current Ratio: 0.26 > 1.5 & < 3
Outstanding Shares: last quarter (1.56b) vs 12m ago -0.26% < -2%
Gross Margin: 62.83% > 18% (prev 0.59%; Δ 6.22k% > 0.5%)
Asset Turnover: 6.25% > 50% (prev 6.30%; Δ -0.04% > 0%)
Interest Coverage Ratio: 0.66 > 6 (EBITDA TTM 10.29b / Interest Expense TTM 14.32b)

Altman Z'' -3.21

A: -0.58 (Total Current Assets 137.73b - Total Current Liabilities 539.38b) / Total Assets 692.35b
B: 0.12 (Retained Earnings 80.91b / Total Assets 692.35b)
C: 0.01 (EBIT TTM 9.52b / Avg Total Assets 685.33b)
D: 0.12 (Book Value of Equity 73.94b / Total Liabilities 626.69b)
Altman-Z'' Score: -3.21 = D

Beneish M

DSRI: none (Receivables none/8.27b, Revenue 42.86b/42.71b)
GMI: 0.94 (GM 62.83% / 58.76%)
AQI: 1.03 (AQ_t 0.80 / AQ_t-1 0.77)
SGI: 1.00 (Revenue 42.86b / 42.71b)
TATA: -0.00 (NI 7.58b - CFO 7.97b) / TA 692.35b)
Beneish M-Score: cannot calculate (missing components)

What is the price of USB shares? As of April 06, 2026, the stock is trading at USD 52.95 with a total of 7,052,700 shares traded.
Over the past week, the price has changed by +5.14%, over one month by -0.77%, over three months by -3.59% and over the past year by +49.99%.

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.

StrongBuy: 9
Buy: 6
Hold: 8
Sell: 1
StrongSell: 0

What are the forecasts/targets for the USB price?

Wallstreet Target Price	63.2	19.3%
Analysts Target Price	63.2	19.3%

USB Fundamental Data Overview as of 02 April 2026

P/E Trailing = 11.2576
P/E Forward = 9.9404
P/S = 3.0662
P/B = 1.3648
P/EG = 1.6032
Revenue TTM = 42.86b USD
EBIT TTM = 9.52b USD
EBITDA TTM = 10.29b USD
Long Term Debt = 60.76b USD (from longTermDebt, last quarter)
Short Term Debt = 17.16b USD (from shortTermDebt, last quarter)
Debt = 77.93b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 31.04b USD (from netDebt column, last quarter)
Enterprise Value = 21.00b USD (80.81b + Debt 77.93b - CCE 137.73b)
Interest Coverage Ratio = 0.66 (Ebit TTM 9.52b / Interest Expense TTM 14.32b)
EV/FCF = 2.64x (Enterprise Value 21.00b / FCF TTM 7.97b)
FCF Yield = 37.95% (FCF TTM 7.97b / Enterprise Value 21.00b)
FCF Margin = 18.59% (FCF TTM 7.97b / Revenue TTM 42.86b)
Net Margin = 17.68% (Net Income TTM 7.58b / Revenue TTM 42.86b)
Gross Margin = 62.83% ((Revenue TTM 42.86b - Cost of Revenue TTM 15.93b) / Revenue TTM)
Gross Margin QoQ = 66.85% (prev 61.14%)
Tobins Q-Ratio = 0.03 (Enterprise Value 21.00b / Total Assets 692.35b)
Interest Expense / Debt = 4.67% (Interest Expense 3.64b / Debt 77.93b)
Taxrate = 19.03% (482.0m / 2.53b)
NOPAT = 7.71b (EBIT 9.52b * (1 - 19.03%))
Current Ratio = 0.26 (Total Current Assets 137.73b / Total Current Liabilities 539.38b)
Debt / Equity = 1.20 (Debt 77.93b / totalStockholderEquity, last quarter 65.19b)
Debt / EBITDA = 3.02 (Net Debt 31.04b / EBITDA 10.29b)
Debt / FCF = 3.89 (Net Debt 31.04b / FCF TTM 7.97b)
Total Stockholder Equity = 62.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.11% (Net Income 7.58b / Total Assets 692.35b)
RoE = 12.12% (Net Income TTM 7.58b / Total Stockholder Equity 62.52b)
RoCE = 7.72% (EBIT 9.52b / Capital Employed (Equity 62.52b + L.T.Debt 60.76b))
RoIC = 5.87% (NOPAT 7.71b / Invested Capital 131.33b)
WACC = 6.72% (E(80.81b)/V(158.73b) * Re(9.56%) + D(77.93b)/V(158.73b) * Rd(4.67%) * (1-Tc(0.19)))
Discount Rate = 9.56% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.06%
[DCF] Terminal Value 80.50% ; FCFF base≈9.29b ; Y1≈7.49b ; Y5≈5.17b
[DCF] Fair Price = 62.74 (EV 128.42b - Net Debt 31.04b = Equity 97.39b / Shares 1.55b; r=6.72% [WACC]; 5y FCF grow -23.18% → 3.0% )
EPS Correlation: 13.25 | EPS CAGR: 6.64% | SUE: 3.81 | # QB: 8
Revenue Correlation: 81.78 | Revenue CAGR: 18.47% | SUE: 3.00 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.26 | Chg7d=+0.002 | Chg30d=+0.005 | Revisions Net=+2 | Analysts=13
EPS current Year (2026-12-31): EPS=5.05 | Chg7d=+0.014 | Chg30d=+0.021 | Revisions Net=+1 | Growth EPS=+9.2% | Growth Revenue=+6.2%
EPS next Year (2027-12-31): EPS=5.56 | Chg7d=+0.011 | Chg30d=+0.021 | Revisions Net=+1 | Growth EPS=+10.2% | Growth Revenue=+5.8%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.7% (Discount Rate 9.6% - Earnings Yield 8.9%)
[Growth] Growth Spread = +7.2% (Analyst 7.9% - Implied 0.7%)

External Resources

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