JPM vs. USB: JPMorgan Chase vs. U.S. Bancorp Stock Comparison
How do JPMorgan Chase (JPM) and U.S. Bancorp (USB) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
JPMorgan Chase (JPM) and U.S. Bancorp (USB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | JPM | USB |
|---|---|---|
| Name | JPMorgan Chase & Co. | U.S. Bancorp |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 871.43 billion USD | 90.57 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | May 3, 1973 |
| Security Type | Common Stock | Common Stock |
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | JPM | USB |
|---|---|---|
| Total Return (1Y) | 21.02% | 40.07% |
Risk
Drawdown
Risk at a Glance
| Metric | JPM | USB |
|---|---|---|
| Volatility (1Y, Annualized) | 22.08% | 22.32% |
| Beta (5Y) | 1.00 | 0.97 |
| Avg. Volume (3M) | 9.24M | 9.42M |
Profitability
ROE (TTM)
JPMorgan Chase (JPM) at 16.47% sits in the top ROE quartile, while U.S. Bancorp (USB) at 12.35% is closer to the peer norm — stronger capital efficiency for JPM.
JPM
Banks industry group
16.47%
- Max
- 19.15%
- JPM
- 16.47%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
USB
Banks industry group
12.35%
- Max
- 19.15%
- Q3
- 13.07%
- USB
- 12.35%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Margin (TTM)
Both JPMorgan Chase (JPM) at 33.94% and U.S. Bancorp (USB) at 29.29% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
JPM
Banks industry group
33.94%
- Max
- 47.55%
- Q3
- 34.61%
- JPM
- 33.94%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
USB
Banks industry group
29.29%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- USB
- 29.29%
- Q1
- 25.62%
- Min
- 12.76%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for JPMorgan Chase (JPM) in Banks and U.S. Bancorp (USB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability at a Glance
| Metric | JPM | USB |
|---|---|---|
| ROE (TTM) | 16.47% | 12.35% |
| ROA (TTM) | 1.27% | 1.14% |
| Net Margin (TTM) | 33.94% | 29.29% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | JPM | USB |
|---|---|---|
| Revenue Growth (YoY) | 7.32% | 4.41% |
| Revenue Growth (3Y CAGR) | 12.50% | 5.68% |
EPS Growth
EPS Growth at a Glance
| Metric | JPM | USB |
|---|---|---|
| EPS Growth (YoY) | 1.37% | 21.90% |
| EPS Growth (3Y CAGR) | 18.31% | 7.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: JPMorgan Chase (JPM) in Banks and U.S. Bancorp (USB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: JPMorgan Chase (JPM) in Banks and U.S. Bancorp (USB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength at a Glance
| Metric | JPM | USB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither JPMorgan Chase (JPM) nor U.S. Bancorp (USB) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
JPM
Banks industry group
0.00%
- Max
- 6.87%
- Q3
- 2.97%
- Median
- 1.82%
- JPM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
USB
Banks industry group
0.00%
- Max
- 6.87%
- Q3
- 2.97%
- Median
- 1.82%
- USB
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither JPMorgan Chase (JPM) nor U.S. Bancorp (USB) reports a payout ratio value for this period, so a direct comparison isn’t possible.
JPM
Banks industry group
--
- Max
- 67.80%
- Q3
- 42.56%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
- JPM
- --
USB
Banks industry group
--
- Max
- 67.80%
- Q3
- 42.56%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
- USB
- --
Dividends at a Glance
| Metric | JPM | USB |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | -- | -- |
Valuation
P/E Ratio (TTM)
U.S. Bancorp (USB) at 12.19 is near its industry’s usual P/E ratio, while JPMorgan Chase (JPM) at 15.57 sits in the richer quartile — JPM needs stronger growth or earnings quality to justify the premium.
JPM
Banks industry group
15.57
- Max
- 20.85
- JPM
- 15.57
- Q3
- 15.27
- Median
- 12.70
- Q1
- 11.13
- Min
- 6.36
USB
Banks industry group
12.19
- Max
- 20.85
- Q3
- 15.27
- Median
- 12.70
- USB
- 12.19
- Q1
- 11.13
- Min
- 6.36
P/S Ratio (TTM)
P/S ratio is set aside for both JPMorgan Chase (JPM) in Banks and U.S. Bancorp (USB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
U.S. Bancorp (USB) at 1.55 sits near its industry’s typical P/B ratio, while JPMorgan Chase (JPM) at 2.53 prices above its benchmark range — JPM looks rich relative to book.
JPM
Banks industry group
2.53
- JPM
- 2.53
- Max
- 2.23
- Q3
- 1.56
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
USB
Banks industry group
1.55
- Max
- 2.23
- Q3
- 1.56
- USB
- 1.55
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
Valuation at a Glance
| Metric | JPM | USB |
|---|---|---|
| P/E Ratio (TTM) | 15.57 | 12.19 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.53 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |