USB vs. WFC: U.S. Bancorp vs. Wells Fargo Stock Comparison
How do U.S. Bancorp (USB) and Wells Fargo (WFC) 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
U.S. Bancorp (USB) and Wells Fargo (WFC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | USB | WFC |
|---|---|---|
| Name | U.S. Bancorp | Wells Fargo & Company |
| 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 | 90.57 billion USD | 251.55 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | May 3, 1973 | June 1, 1972 |
| Security Type | Common Stock | Common Stock |
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | USB | WFC |
|---|---|---|
| Total Return (1Y) | 40.07% | 12.39% |
Risk
Drawdown
Risk at a Glance
| Metric | USB | WFC |
|---|---|---|
| Volatility (1Y, Annualized) | 22.32% | 26.68% |
| Beta (5Y) | 0.97 | 0.93 |
| Avg. Volume (3M) | 9.42M | 16.94M |
Profitability
ROE (TTM)
Both U.S. Bancorp (USB) at 12.35% and Wells Fargo (WFC) at 12.03% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
USB
Banks industry group
12.35%
- Max
- 19.15%
- Q3
- 13.07%
- USB
- 12.35%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
WFC
Banks industry group
12.03%
- Max
- 19.15%
- Q3
- 13.07%
- WFC
- 12.03%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Margin (TTM)
Both U.S. Bancorp (USB) at 29.29% and Wells Fargo (WFC) at 26.74% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
USB
Banks industry group
29.29%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- USB
- 29.29%
- Q1
- 25.62%
- Min
- 12.76%
WFC
Banks industry group
26.74%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- WFC
- 26.74%
- Q1
- 25.62%
- Min
- 12.76%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for U.S. Bancorp (USB) in Banks and Wells Fargo (WFC) 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 | USB | WFC |
|---|---|---|
| ROE (TTM) | 12.35% | 12.03% |
| ROA (TTM) | 1.14% | 1.05% |
| Net Margin (TTM) | 29.29% | 26.74% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | USB | WFC |
|---|---|---|
| Revenue Growth (YoY) | 4.41% | 1.70% |
| Revenue Growth (3Y CAGR) | 5.68% | 4.02% |
EPS Growth
EPS Growth at a Glance
| Metric | USB | WFC |
|---|---|---|
| EPS Growth (YoY) | 21.90% | 16.57% |
| EPS Growth (3Y CAGR) | 7.78% | 25.86% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: U.S. Bancorp (USB) in Banks and Wells Fargo (WFC) 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: U.S. Bancorp (USB) in Banks and Wells Fargo (WFC) 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 | USB | WFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
U.S. Bancorp (USB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Wells Fargo (WFC) reports a yield of 2.12%, ranking against industry peers normally.
USB
Banks industry group
0.00%
- Max
- 6.87%
- Q3
- 2.97%
- Median
- 1.82%
- USB
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
WFC
Banks industry group
2.12%
- Max
- 6.87%
- Q3
- 2.97%
- WFC
- 2.12%
- Median
- 1.82%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Dividend policy can be sized up on one side only: Wells Fargo (WFC) pays out 27.05% of earnings, measured against its industry’s payout band; U.S. Bancorp (USB) shows no payout ratio this period.
USB
Banks industry group
--
- Max
- 67.80%
- Q3
- 42.56%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
- USB
- --
WFC
Banks industry group
27.05%
- Max
- 67.80%
- Q3
- 42.56%
- Median
- 28.63%
- WFC
- 27.05%
- Q1
- 20.42%
- Min
- 0.00%
Dividends at a Glance
| Metric | USB | WFC |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 2.12% |
| Dividend Payout Ratio (TTM) | -- | 27.05% |
Valuation
P/E Ratio (TTM)
Both U.S. Bancorp (USB) at 12.19 and Wells Fargo (WFC) at 12.70 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
USB
Banks industry group
12.19
- Max
- 20.85
- Q3
- 15.27
- Median
- 12.70
- USB
- 12.19
- Q1
- 11.13
- Min
- 6.36
WFC
Banks industry group
12.70
- Max
- 20.85
- Q3
- 15.27
- WFC
- 12.70
- Median
- 12.70
- Q1
- 11.13
- Min
- 6.36
P/S Ratio (TTM)
P/S ratio is set aside for both U.S. Bancorp (USB) in Banks and Wells Fargo (WFC) 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)
On P/B ratio, both U.S. Bancorp (USB) at 1.55 and Wells Fargo (WFC) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.
USB
Banks industry group
1.55
- Max
- 2.23
- Q3
- 1.56
- USB
- 1.55
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
WFC
Banks industry group
1.55
- Max
- 2.23
- Q3
- 1.56
- WFC
- 1.55
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
Valuation at a Glance
| Metric | USB | WFC |
|---|---|---|
| P/E Ratio (TTM) | 12.19 | 12.70 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.55 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |