USB Stock Analysis: U.S. Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 89.417m USD | 12M Return: 33.5% | US9029733048 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 463M
EPS Trend: 97.7%
Qual. Beats: 0
Rev. Trend: 82.0%
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: 8.17b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.62 > 1.0 |
| NWC/Revenue: -1.10k% < 20% (prev -892.1%; Δ -204.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 12.4b > Net Income 8.17b |
| Net Debt (29.5b) to EBITDA (11.1b): 2.67 < 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 October 20, 2026, the stock is trading at USD 58.73 with a total of 17,518,827 shares traded. Over the past week, the price has changed by +2.89%, over one month by -1.61%, over three months by -6.11% and over the past year by +33.48%.
Current recommended Stop Loss: 56.40 (which is 4% or 2.1 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 | 16.6% |
P/E Trailing = 11.1654
P/E Forward = 10.4058
P/S = 3.2728
P/B = 1.5276
P/EG = 1.7932
Revenue TTM = 43.7b USD
EBIT TTM = 10.2b USD
EBITDA TTM = 11.1b USD
Long Term Debt = 58.7b USD (from longTermDebt, last quarter)
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 = 119b USD (89.4b + Debt 96.0b - CCE 66.5b)
Interest Coverage Ratio = 0.72 (Ebit TTM 10.2b / Interest Expense TTM 14.2b)
EV/FCF = 9.60x (Enterprise Value 119b / FCF TTM 12.4b)
FCF Yield = 10.41% (FCF TTM 12.4b / Enterprise Value 119b)
FCF Margin = 28.31% (FCF TTM 12.4b / 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 = 0.16 (Enterprise Value 119b / 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 = 2.67 (Net Debt 29.5b / EBITDA 11.1b)
Debt / FCF = 2.38 (Net Debt 29.5b / FCF TTM 12.4b)
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 = 8.22% (EBIT 10.2b / Capital Employed (Equity 65.4b + L.T.Debt 58.7b))
RoIC = 1.13% (NOPAT 8.19b / Invested Capital 724b)
WACC = 10.10% (E(89.4b)/V(185b) * Re(8.24%) + D(96.0b)/V(185b) * Rd(14.74%) * (1-Tc(0.20)))
Discount Rate = 8.24% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -87.88 | Cagr: -0.11%
[DCF] Terminal Value 72.51% ; FCFF base≈10.4b ; Y1≈11.9b ; Y5≈17.6b
[DCF] Fair Price = 110.8 (EV 202b - Net Debt 29.5b = Equity 173b / Shares 1.56b; r=10.10% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 97.71 | EPS CAGR: 21.08% | SUE: 0.80 | # QB: 0
Revenue Correlation: 81.95 | Revenue CAGR: 3.27% | SUE: 0.65 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.32 | Chg30d=+0.77% | Revisions=+36% | Analysts=12
EPS current Year (2026-12-31): EPS=5.26 | Chg30d=+0.83% | Revisions=+47% | GrowthEPS=+13.8% | GrowthRev=+8.5%
EPS next Year (2027-12-31): EPS=5.83 | Chg30d=+0.56% | Revisions=+6% | GrowthEPS=+10.9% | GrowthRev=+7.1%
[Analyst] Revisions Ratio: +32% (up=25, down=12)