(USB) U.S. Bancorp - Overview
Stock: Depository, Lending, Cards, Trust, Processing
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.33% |
| Yield on Cost 5y | 5.33% |
| Yield CAGR 5y | 3.76% |
| Payout Consistency | 95.2% |
| Payout Ratio | 35.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 28.8% |
| Relative Tail Risk | -7.48% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.06 |
| Alpha | 18.08 |
| Character TTM | |
|---|---|
| Beta | 1.002 |
| Beta Downside | 1.214 |
| Drawdowns 3y | |
|---|---|
| Max DD | 40.84% |
| CAGR/Max DD | 0.32 |
Description: USB U.S. Bancorp January 27, 2026
U.S. Bancorp (NYSE: USB) is a diversified U.S. financial-services holding company that serves individuals, businesses, institutions, governments and other banks through five operating segments: Wealth, Corporate, Commercial & Institutional Banking; Consumer & Business Banking; Payment Services; Treasury & Corporate Support; and ancillary services such as asset management, fiduciary, brokerage, insurance and leasing. Its core offerings span depository products (checking, savings, time-deposit certificates), a broad suite of credit products (consumer loans, credit cards, lease financing, asset-backed and agricultural lending, trade finance), cash-management and treasury solutions, capital-markets and trust services, as well as merchant-card processing, mortgage banking and fund-administration services.
Key recent metrics (Q4 2025 / FY 2025):
• Net income $7.6 billion, up 8 % YoY, driven by a 12 bps lift in net interest margin (NIM 3.22 %).
• Total loans grew 5 % YoY to $570 billion, with loan-to-deposit ratio holding at 73 %, reflecting steady credit-quality amid a 5.25 % federal funds rate.
• Deposits increased 4 % YoY to $1.2 trillion, supported by higher rates and strong consumer confidence.
• Return on equity (ROE) remained robust at ~13 %, above the diversified-bank sector average of 11 %.
For a deeper quantitative view, you might explore ValueRay’s analyst toolkit to extend this snapshot.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 7.58b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.92 > 1.0 |
| NWC/Revenue: 69.36% < 20% (prev -896.0%; Δ 965.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 5.13b > Net Income 7.58b |
| Net Debt (31.04b) to EBITDA (10.29b): 3.02 < 3 |
| Current Ratio: 2.73 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.56b) vs 12m ago -0.26% < -2% |
| Gross Margin: 62.83% > 18% (prev 0.59%; Δ 6225 % > 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'' 0.88
| A: 0.04 (Total Current Assets 46.89b - Total Current Liabilities 17.16b) / 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: 0.88 = B |
What is the price of USB shares?
Over the past week, the price has changed by +8.16%, over one month by +8.22%, over three months by +30.79% and over the past year by +32.74%.
Is USB a buy, sell or hold?
- StrongBuy: 9
- Buy: 6
- Hold: 8
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the USB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 62.6 | 3.1% |
| Analysts Target Price | 62.6 | 3.1% |
| ValueRay Target Price | 64.2 | 5.8% |
USB Fundamental Data Overview January 31, 2026
P/E Forward = 11.274
P/S = 3.3202
P/B = 1.5003
P/EG = 1.3588
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 = 118.54b USD (87.50b + Debt 77.93b - CCE 46.89b)
Interest Coverage Ratio = 0.66 (Ebit TTM 9.52b / Interest Expense TTM 14.32b)
EV/FCF = 23.09x (Enterprise Value 118.54b / FCF TTM 5.13b)
FCF Yield = 4.33% (FCF TTM 5.13b / Enterprise Value 118.54b)
FCF Margin = 11.98% (FCF TTM 5.13b / 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 = 0.17 (Enterprise Value 118.54b / 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 = 2.73 (Total Current Assets 46.89b / Total Current Liabilities 17.16b)
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 = 6.05 (Net Debt 31.04b / FCF TTM 5.13b)
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 = 5.80% (NOPAT 7.71b / Invested Capital 132.83b)
WACC = 6.86% (E(87.50b)/V(165.43b) * Re(9.61%) + D(77.93b)/V(165.43b) * Rd(4.67%) * (1-Tc(0.19)))
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.06%
[DCF Debug] Terminal Value 79.82% ; FCFF base≈7.59b ; Y1≈6.28b ; Y5≈4.56b
Fair Price DCF = 48.50 (EV 106.46b - Net Debt 31.04b = Equity 75.42b / Shares 1.55b; r=6.86% [WACC]; 5y FCF grow -20.72% → 2.90% )
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 (2026-03-31): EPS=1.13 | Chg30d=+0.045 | Revisions Net=+14 | Analysts=15
EPS current Year (2026-12-31): EPS=5.01 | Chg30d=+0.114 | Revisions Net=+12 | Growth EPS=+8.4% | Growth Revenue=+5.8%
EPS next Year (2027-12-31): EPS=5.50 | Chg30d=+0.116 | Revisions Net=+13 | Growth EPS=+9.9% | Growth Revenue=+5.0%