U.S. Bancorp (USB) Stock Analysis
This is a peer-relative look at U.S. Bancorp (USB): its performance, risk, profitability, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.
Company Profile
| Profile Item | USB |
|---|---|
| Name | U.S. Bancorp |
| Country/Region | United States |
| GICS Sector | Financials |
| GICS Industry Group | Banks |
| GICS Industry | Banks |
| GICS Sub-Industry | Diversified Banks |
| Market Capitalization | 90.57 billion USD |
| Currency | USD |
| Exchange | NYSE |
| Listing Date | May 3, 1973 |
| Security Type | Common Stock |
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | Current stock: USB | Industry group median |
|---|---|---|
| Total Return (1Y) | 40.07% | 34.88% |
Risk
Drawdown
Risk at a Glance
| Metric | Current stock: USB | Industry group median |
|---|---|---|
| Volatility (1Y, Annualized) | 22.32% | 26.66% |
| Beta (5Y) | 0.97 | 0.72 |
Profitability
ROE (TTM)
U.S. Bancorp (USB) posts ROE of 12.35%, 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
12.35%
Group distribution
- Max
- 19.15%
- Q3
- 13.07%
- USB
- 12.35%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Largest peers
- JPM
- 16.47%
- RY
- 16.20%
- USB
- 12.35%
- WFC
- 12.03%
- HSBC
- 11.61%
- BAC
- 10.64%
- C
- 7.65%
Net Margin (TTM)
U.S. Bancorp (USB) keeps 29.29% 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
29.29%
Group distribution
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- USB
- 29.29%
- Q1
- 25.62%
- Min
- 12.76%
Largest peers
- HSBC
- 34.98%
- JPM
- 33.94%
- RY
- 33.69%
- USB
- 29.29%
- BAC
- 28.96%
- WFC
- 26.74%
- C
- 20.36%
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 at a Glance
| Metric | Current stock: USB | Industry group median |
|---|---|---|
| ROE (TTM) | 12.35% | 10.82% |
| ROA (TTM) | 1.14% | 1.16% |
| Net Margin (TTM) | 29.29% | 30.31% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
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 at a Glance
| Metric | Current stock: USB | Industry group median |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
U.S. Bancorp (USB) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.
USB
Banks industry group
0.00%
Group distribution
- Max
- 6.87%
- Q3
- 2.97%
- Median
- 1.82%
- USB
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Largest peers
- HSBC
- 3.97%
- RY
- 2.53%
- WFC
- 2.12%
- BAC
- 1.97%
- C
- 1.68%
- USB
- 0.00%
- JPM
- 0.00%
Dividend Payout Ratio (TTM)
No usable payout ratio is available for U.S. Bancorp (USB) this period, so dividend coverage against earnings cannot be assessed here.
USB
Banks industry group
--
Group distribution
- Max
- 67.80%
- Q3
- 42.56%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
- USB
- --
Largest peers
- HSBC
- 61.98%
- RY
- 41.35%
- C
- 29.17%
- BAC
- 27.30%
- WFC
- 27.05%
- USB
- --
- JPM
- --
Dividends at a Glance
| Metric | Current stock: USB | Industry group median |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.82% |
| Dividend Payout Ratio (TTM) | -- | 28.63% |
Valuation
P/E Ratio (TTM)
U.S. Bancorp (USB) trades at P/E ratio of 12.19, 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
12.19
Group distribution
- Max
- 20.85
- Q3
- 15.27
- Median
- 12.70
- USB
- 12.19
- Q1
- 11.13
- Min
- 6.36
Largest peers
- RY
- 18.29
- C
- 17.68
- HSBC
- 15.70
- JPM
- 15.57
- BAC
- 13.95
- WFC
- 12.70
- USB
- 12.19
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
- 2.23
- Q3
- 1.56
- USB
- 1.55
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
Largest peers
- HSBC
- 7.47
- RY
- 3.02
- JPM
- 2.53
- USB
- 1.55
- WFC
- 1.55
- BAC
- 1.45
- C
- 1.27
Valuation at a Glance
| Metric | Current stock: USB | Industry group median |
|---|---|---|
| P/E Ratio (TTM) | 12.19 | 12.70 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.55 | 1.27 |
| Free Cash Flow Yield (TTM) | -- | -- |