TFC vs. USB: Truist Financial vs. U.S. Bancorp Stock Comparison
How do Truist Financial (TFC) 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
Truist Financial (TFC) and U.S. Bancorp (USB) both belong to the Banks industry, though TFC is classified under Regional Banks while USB falls under Diversified Banks.
| Profile Item | TFC | USB |
|---|---|---|
| Name | Truist Financial Corporation | 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 | Regional Banks | Diversified Banks |
| Market Capitalization | 59.18 billion USD | 92.64 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 18, 1980 | May 3, 1973 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | TFC | USB |
|---|---|---|
| Total Return (1Y) | 18.58% | 34.87% |
| Total Return (3Y, Annualized) | 25.74% | 27.22% |
| Total Return (5Y, Annualized) | -0.01% | 4.97% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | TFC | USB |
|---|---|---|
| Volatility (1Y, Annualized) | 23.91% | 22.72% |
| Beta (5Y) | 0.88 | 0.99 |
| Max Drawdown (5Y) | -59.11% | -52.13% |
| Avg. Volume (3M) | 7.35M | 7.25M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | TFC | USB |
|---|---|---|
| Sharpe Ratio (1Y) | 0.60 | 1.35 |
| Sortino Ratio (1Y) | 0.83 | 1.98 |
Profitability
ROE (TTM)
U.S. Bancorp (USB) at 12.84% is around its peer norm for ROE, while Truist Financial (TFC) at 8.16% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
TFC
Banks industry group
8.16%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- TFC
- 8.16%
- Min
- 3.64%
USB
Banks industry group
12.84%
- Max
- 19.84%
- Q3
- 13.67%
- USB
- 12.84%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Both Truist Financial (TFC) at 28.38% and U.S. Bancorp (USB) at 30.01% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
TFC
Banks industry group
28.38%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- TFC
- 28.38%
- Q1
- 27.11%
- Min
- 14.93%
USB
Banks industry group
30.01%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- USB
- 30.01%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Truist Financial (TFC) 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 Metrics
| Metric | TFC | USB |
|---|---|---|
| ROE (TTM) | 8.16% | 12.84% |
| ROA (TTM) | 0.95% | 1.20% |
| Net Margin (TTM) | 28.38% | 30.01% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Truist Financial (TFC) at 53.03% delivers above-range revenue growth, while U.S. Bancorp (USB) at 4.41% falls into the bottom quartile — a wide split in revenue momentum.
EPS Growth
Both Truist Financial (TFC) at 13.69% and U.S. Bancorp (USB) at 21.90% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | TFC | USB |
|---|---|---|
| Revenue Growth (YoY) | 53.03% | 4.41% |
| Revenue Growth (3Y CAGR) | 0.57% | 5.68% |
| EPS Growth (YoY) | 13.69% | 21.90% |
| EPS Growth (3Y CAGR) | -4.82% | 7.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Truist Financial (TFC) 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: Truist Financial (TFC) 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 Metrics
| Metric | TFC | USB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Truist Financial (TFC) at 4.17% and U.S. Bancorp (USB) at 3.51% offer top-quartile dividend income relative to share price within their industries.
TFC
Banks industry group
4.17%
- Max
- 5.79%
- TFC
- 4.17%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
USB
Banks industry group
3.51%
- Max
- 5.79%
- USB
- 3.51%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
U.S. Bancorp (USB) at 40.86% pays out a band-typical share of earnings, while Truist Financial (TFC) at 53.61% distributes more than its industry norm — less retained, thinner cover.
TFC
Banks industry group
53.61%
- Max
- 70.75%
- TFC
- 53.61%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
USB
Banks industry group
40.86%
- Max
- 70.75%
- Q3
- 41.28%
- USB
- 40.86%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | TFC | USB |
|---|---|---|
| Dividend Yield (TTM) | 4.17% | 3.51% |
| Dividend Payout Ratio (TTM) | 53.61% | 40.86% |
Valuation
P/E Ratio (TTM)
Both Truist Financial (TFC) at 12.73 and U.S. Bancorp (USB) at 11.57 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
TFC
Banks industry group
12.73
- Max
- 18.16
- Q3
- 13.75
- TFC
- 12.73
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
USB
Banks industry group
11.57
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- USB
- 11.57
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Truist Financial (TFC) 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)
Truist Financial (TFC) at 1.06 sits in the lower P/B ratio quartile against book while U.S. Bancorp (USB) at 1.55 is valued near its industry’s middle — TFC is cheaper on assets, though weigh it against ROE and asset quality.
TFC
Banks industry group
1.06
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- TFC
- 1.06
- Min
- 0.59
USB
Banks industry group
1.55
- Max
- 2.28
- Q3
- 1.58
- USB
- 1.55
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | TFC | USB |
|---|---|---|
| P/E Ratio (TTM) | 12.73 | 11.57 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.06 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |