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U.S. Bancorp (USB) Stock Analysis

This is a peer-relative look at U.S. Bancorp (USB): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for U.S. Bancorp (USB)
Profile ItemUSB
NameU.S. Bancorp
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupBanks
GICS IndustryBanks
GICS Sub-IndustryDiversified Banks
Market Capitalization92.64 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateMay 3, 1973
Security TypeCommon Stock

Price Performance

Cumulative Growth

USB
GSPC
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U.S. Bancorp (USB) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for U.S. Bancorp (USB) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for U.S. Bancorp (USB) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

U.S. Bancorp (USB) metric values compared with Banks industry-group medians
MetricCurrent stock: USBIndustry group median
Total Return (1Y)34.87%30.28%
Total Return (3Y, Annualized)27.22%26.57%
Total Return (5Y, Annualized)4.97%9.43%

Risk Profile

Drawdown History

USB
GSPC
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U.S. Bancorp (USB) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for U.S. Bancorp (USB) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

U.S. Bancorp (USB) metric values compared with Banks industry-group medians
MetricCurrent stock: USBIndustry group median
Volatility (1Y, Annualized)22.72%24.34%
Beta (5Y)0.990.72
Max Drawdown (5Y)-52.13%-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. USB is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

U.S. Bancorp (USB) metric values compared with Banks industry-group medians
MetricCurrent stock: USBIndustry group median
Sharpe Ratio (1Y)1.351.08
Sortino Ratio (1Y)1.981.61

Profitability

ROE (TTM)

U.S. Bancorp (USB) posts ROE of 12.84%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

USB

Banks industry group

12.84%

Group distribution
Max
19.84%
Q3
13.67%
USB
12.84%
Median
11.49%
Q1
9.50%
Min
3.64%
Largest peers
JPM
18.01%
RY
16.21%
HSBC
14.22%
WFC
12.91%
USB
12.84%
BAC
10.73%
MUFG
9.46%
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Where U.S. Bancorp (USB) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

U.S. Bancorp (USB) keeps 30.01% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

USB

Banks industry group

30.01%

Group distribution
Max
47.19%
Q3
35.25%
Median
31.21%
USB
30.01%
Q1
27.11%
Min
14.93%
Largest peers
HSBC
41.16%
JPM
34.59%
RY
33.87%
USB
30.01%
BAC
28.06%
WFC
27.64%
MUFG
27.45%
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Where U.S. Bancorp (USB) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for U.S. Bancorp (USB) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

U.S. Bancorp (USB) metric values compared with Banks industry-group medians
MetricCurrent stock: USBIndustry group median
ROE (TTM)12.84%11.49%
ROA (TTM)1.20%1.24%
Net Margin (TTM)30.01%31.21%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

U.S. Bancorp (USB) grew revenue 4.41%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

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U.S. Bancorp (USB): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

U.S. Bancorp (USB) grew earnings per share 21.90%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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U.S. Bancorp (USB): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

U.S. Bancorp (USB) metric values compared with Banks industry-group medians
MetricCurrent stock: USBIndustry group median
Revenue Growth (YoY)4.41%11.23%
Revenue Growth (3Y CAGR)5.68%6.33%
EPS Growth (YoY)21.90%16.14%
EPS Growth (3Y CAGR)7.78%3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for U.S. Bancorp (USB) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for U.S. Bancorp (USB) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

U.S. Bancorp (USB) metric values compared with Banks industry-group medians
MetricCurrent stock: USBIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

U.S. Bancorp (USB) has dividend yield of 3.51%, in the upper peer-yield quartile while still inside the industry range. The dividend offers more cash income per dollar of share price than most peers, though payout coverage still matters.

USB

Banks industry group

3.51%

Group distribution
Max
5.79%
USB
3.51%
Q3
3.18%
Median
2.39%
Q1
1.20%
Min
0.00%
Largest peers
MUFG
406.81%
USB
3.51%
RY
3.23%
BAC
2.33%
WFC
2.19%
JPM
1.82%
HSBC
0.86%
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Where U.S. Bancorp (USB) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

U.S. Bancorp (USB) has payout ratio of 40.86%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

USB

Banks industry group

40.86%

Group distribution
Max
70.75%
Q3
41.28%
USB
40.86%
Median
29.26%
Q1
18.98%
Min
0.00%
Largest peers
HSBC
53.57%
RY
41.49%
USB
40.86%
MUFG
34.74%
BAC
27.62%
WFC
26.09%
JPM
25.80%
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Where U.S. Bancorp (USB) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

U.S. Bancorp (USB) metric values compared with Banks industry-group medians
MetricCurrent stock: USBIndustry group median
Dividend Yield (TTM)3.51%2.39%
Dividend Payout Ratio (TTM)40.86%29.26%

Valuation

P/E Ratio (TTM)

U.S. Bancorp (USB) trades at P/E ratio of 11.57, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

USB

Banks industry group

11.57

Group distribution
Max
18.16
Q3
13.75
Median
11.81
USB
11.57
Q1
10.64
Min
6.49
Largest peers
RY
17.58
JPM
14.03
MUFG
13.71
WFC
11.84
BAC
11.79
USB
11.57
HSBC
11.38
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Where U.S. Bancorp (USB) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for U.S. Bancorp (USB) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

U.S. Bancorp (USB) trades at 1.55 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

USB

Banks industry group

1.55

Group distribution
Max
2.28
Q3
1.58
USB
1.55
Median
1.32
Q1
1.10
Min
0.59
Largest peers
HSBC
6.87
RY
2.92
JPM
2.53
MUFG
1.64
WFC
1.59
USB
1.55
BAC
1.26
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Where U.S. Bancorp (USB) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

U.S. Bancorp (USB) metric values compared with Banks industry-group medians
MetricCurrent stock: USBIndustry group median
P/E Ratio (TTM)11.5711.81
P/S Ratio (TTM)----
P/B Ratio (MRQ)1.551.32
Free Cash Flow Yield (TTM)----