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U.S. Bancorp USB SPX

Financial Services · Banks - Regional · United States
https://www.usbank.com

U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States. The company operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments. It offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, agricultural finance, asset-backed lending, and other products. The company also provides cash management, capital markets, and trust and investment management services; and ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers. In addition, it offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations; and investment and insurance products to its customers principally within its domestic markets, as well as fund administration services to mutual and other funds. Further, the company provides corporate and purchasing card, and corporate trust services; and credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage and leasing services. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.

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$54.85
+31.17% 1Y

Market & Price

Market Cap
$85.14B
Current Price
$54.85
High / Low (52W)
$60.07 / $40.95
Beta
1.02

Valuation

Stock P/E
11.50
Industry PE
12.01
Forward P/E
9.71
PEG Ratio
1.87
Book Value
$37.54
Price to Book
1.46
P/S
3.20
EV/EBITDA
-
Dividend Yield
3.76%

Profitability & Returns

ROCE
-
ROE
12.35%
ROA
1.14%
Profit Margin
29.29%
Op Margin
37.84%
EPS (Latest Qtr)
$1.18
EPS (TTM)
$4.77

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$82.37B
Total Assets
$692.35B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.13%
Chg in Prom Hold
-
FII / Inst Holding
84.77%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$122.12B
Total Revenue (TTM)
$26.65B
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$9.62B
Shares Outstanding
1.55B
Gross Margin
0.00%
Payout Ratio
43.19%

Growth (CAGR)

Revenue 5Y
5.68%
Profit 5Y
9.13%
Revenue (YoY)
4.60%
Earnings (YoY)
14.80%

PROS

  • Excellent profit margin of 29.3%.
  • Attractive dividend yield of 3.76%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 USB U.S. Bancorp SPX 54.85 11.50 $85.14B 3.76% - 12.35% 5.68% 9.13%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 4.89B4.81B5.19B4.99B4.91B5.04B5.15B5.04B5.45B5.39B5.29B5.45B5.57B5.47B5.64B5.70B5.58B5.82B5.92B--------6.33B7.17B7.17B7.03B6.71B6.87B6.86B-6.93B6.97B7.30B7.34B7.26B
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------3.42B3.55B3.71B3.64B3.58B
Pretax Income -----------------------------------2.16B2.29B2.53B2.53B2.42B
Tax Provision -----------------------------------443.00M472.00M524.00M482.00M469.00M
Net Income 1.47B1.40B1.50B1.47B1.43B1.48B1.49B1.39B1.52B1.50B1.47B1.50B1.56B1.68B1.75B1.81B1.70B1.82B1.91B1.17B689.00M1.58B2.28B1.98B2.03B1.56B1.53B1.81B1.70B1.36B1.52B1.32B1.60B1.71B-1.71B1.81B2.00B2.04B1.95B
Diluted EPS 0.760.730.780.780.760.800.810.760.830.840.820.850.880.961.021.061.001.091.150.720.410.991.451.281.300.990.991.161.040.840.910.780.971.03-1.031.111.221.261.18

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -----20.29B19.60B20.16B20.31B21.31B21.90B22.64B---24.18B28.01B27.34B28.54B
Cost of Revenue -------------------
Gross Profit -------------------
Operating Expenses -------------------
Operating Income -------------------
EBITDA -------------------
Interest Expense ---------------3.22B12.61B15.38B14.32B
Pretax Income ---------------7.30B6.87B7.91B9.52B
Tax Provision ---------------1.46B1.41B1.58B1.92B
Net Income 4.32B2.95B2.21B3.32B4.87B5.65B5.84B5.85B5.88B5.89B6.22B7.10B6.91B4.96B7.96B5.83B5.43B6.30B7.57B
Diluted EPS 2.421.610.971.732.462.843.003.083.163.243.514.144.163.065.103.693.273.794.62

Compounded Sales Growth

5 Years:5.68%
1 Year:4.60%

Compounded Profit Growth

5 Years:9.13%
1 Year:14.80%

Stock Price Performance

1 Year:+31.17%
6 Months:+14.40%
3 Months:+1.38%
1 Month:-2.35%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2006Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --265.91B281.18B307.79B340.12B353.86B364.02B402.53B421.85B445.96B462.04B467.37B495.43B553.90B573.28B674.80B663.49B678.32B692.35B
Current Assets --------------------
Cash & Equivalents 8.64B8.88B6.86B6.21B14.49B13.96B8.25B---------53.54B61.19B56.50B46.89B
Inventory --------------------
Receivables ----------------10.08B8.34B8.27B7.96B
Total Liabilities --238.88B254.51B277.46B305.15B313.59B322.21B358.36B375.04B398.03B412.37B415.72B442.94B500.18B517.90B623.57B607.72B619.28B626.69B
Current Liabilities --------------------
Long Term Debt --38.36B32.58B31.54B31.95B25.52B20.05B32.26B32.08B33.32B32.26B41.34B40.17B41.30B32.12B39.83B51.48B58.00B60.76B
Total Debt ----------------69.39B62.94B65.63B68.41B
Total Equity --26.30B25.96B29.52B33.98B39.00B41.11B43.48B46.13B47.30B49.04B51.03B51.85B53.09B54.92B50.77B55.31B58.58B65.19B
Shares Outstanding ----------------2.13B2.13B2.13B2.13B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 2.90B5.31B7.60B5.24B9.82B7.96B---5.34B6.47B10.56B4.89B3.72B-21.12B8.39B11.35B7.97B
Investing Cash Flow -15.14B-16.32B-719.00M-16.37B-32.70B-20.25B----17.96B-12.13B-8.98B-21.56B-15.44B-7.50B18.93B-24.53B-20.54B
Financing Cash Flow 12.48B8.99B-7.53B19.41B22.36B6.58B---17.18B9.45B361.00M17.62B51.90B--3.98B-20.00B8.82B2.25B
Capital Expenditure -------------------
Free Cash Flow ---------------21.12B8.39B11.35B7.97B
Net Change in Cash ---------------24.64B7.32B-4.36B-10.32B
Share Buybacks 1.98B00-514.00M1.86B2.28B2.20B2.19B2.56B2.63B2.82B4.53B1.67B1.55B69.00M62.00M173.00M489.00M

Ratios (Annual)

Figures in %.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------------
Operating Margin % -------------------
Net Margin % -----27.8%29.8%29.0%29.0%27.6%28.4%31.3%---24.1%19.4%23.0%26.5%
ROE % -11.2%8.5%11.2%14.3%14.5%14.2%13.5%12.7%12.4%12.7%13.9%13.3%9.3%14.5%11.5%9.8%10.8%11.6%
ROCE % -------------------

Shareholding Pattern

Insiders
0.13%
Institutions
84.77%
Public Float
84.88%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.27% 128.37M $7.04B
2 Vanguard Capital Management LLC 6.50% 100.88M $5.53B
3 State Street Corporation 4.47% 69.41M $3.81B
4 JPMORGAN CHASE & CO 3.97% 61.68M $3.38B
5 FMR, LLC 3.68% 57.17M $3.14B
6 MUFG Bank Ltd 2.86% 44.37M $2.43B
7 Geode Capital Management, LLC 2.48% 38.44M $2.11B
8 Vanguard Portfolio Management LLC 1.91% 29.60M $1.62B
9 Morgan Stanley 1.89% 29.30M $1.61B
10 Price (T.Rowe) Associates Inc 1.60% 24.87M $1.36B

Analyst View

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