Stock · USB · Financial Services
United States · Large Cap · listed since 1987 · Revenue 12 mo. $44B
Price as of 11/06/2026
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States.
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States. The company operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments. It offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, agricultural finance, asset-backed lending, and other products. The company also provides cash management, capital markets, and trust and investment management services; and ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers. In addition, it offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations; and investment and insurance products to its customers principally within its domestic markets, as well as fund administration services to mutual and other funds. Further, the company provides corporate and purchasing card, and corporate trust services; and credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage and leasing services. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.
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Summary
54.1 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €57.6B, market value €81.7B (P/B 1.4). At a 9% discount rate, the premium over book value only pays off with a lasting 12.8% return on equity.
Required return on equity per year
12.8%
no perpetual growth
Price to book 1.42×, above its usual range.
Middle half of 20 quarters: 1.14× to 1.31×, median 1.24×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q2 → Q3 2026
4 more unchanged: Revenue, 12 mo., EBIT margin, Shares outstanding, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 11.62% | 12.46% | Rank 43 |
| Return on capital (Greenblatt) | 252.57% | 59.04% | Rank 79 |
| EBIT margin | 22.20% | 23.06% | Rank 48 |
| FCF margin | 18.59% | 19.82% | Rank 46 |
| Gross margin | 62.83% | 65.53% | Rank 46 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 0.35% | 7.39% | Rank 26 |
| Earnings growth, 3 years per year | 7.59% | 15.20% | Rank 27 |
| Earnings growth, 5 years per year | 8.19% | 15.17% | Rank 26 |
| Sustainable growth (ROE × retained earnings) | 0.00% | 1.25% | Rank 6 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 8.19% | 6.47% | Rank 74 |
| FCF yield | 8.76% | 7.16% | Rank 59 |
| EV/saleslower is better | 0.73 | 2.82 | Rank 80 |
| EV/EBITlower is better | 3.28 | 14.24 | Rank 95 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 17.29% | 7.80% | Rank 66 |
| Share price, 6 months | 7.54% | 8.71% | Rank 46 |
| Share price, 3 months | −1.89% | 0.45% | Rank 38 |
| Distance from 52-week high | −9.13% | −10.68% | Rank 57 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 2.94% | 1.23% | Rank 33 |
| Change in share countlower is better | −0.32% | −0.60% | Rank 46 |
| Dividend streak in years | 16 | 5 | Rank 86 |
| Price reaction to results, market-adjusted | 1.60% | 0.00% | Rank 74 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 9.42% | 9.21% | Rank 53 |
| Net debt/EBITDAlower is better | −5.75 | 0.12 | Rank 82 |
| Debt to equitylower is better | 1.20 | 0.90 | Rank 45 |
| Volatility, 1 yearlower is better | 22.20% | 25.95% | Rank 73 |
Ten years in figures
| Year | Revenue, $B | Net income, $B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 22.4 | 5.9 | 12.5% | 1.72B |
| 2017 | 23.7 | 6.2 | 12.7% | 1.68B |
| 2018 | 25.8 | 7.1 | 13.9% | 1.64B |
| 2019 | 27.3 | 6.9 | 13.3% | 1.58B |
| 2020 | 25.2 | 5.0 | 9.3% | 1.51B |
| 2021 | 23.7 | 8.0 | 14.5% | 1.49B |
| 2022 | 27.4 | 5.8 | 11.5% | 1.49B |
| 2023 | 40.6 | 5.4 | 9.8% | 1.54B |
| 2024 | 42.7 | 6.3 | 10.8% | 1.56B |
| 2025 | 42.9 | 7.6 | 11.6% | 1.56B |
2 of 7 StockScorer Score rules met · How the score is built
U.S. Bancorp mainly meets criteria in the Valuation category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for U.S. Bancorp. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
2 of 7 rules met
4 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for U.S. Bancorp.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 12.2 | 15.2 |
| P/B ratio | 1.4 | 1.8 |
| Return on equity (ROE) | 11.6% | 12.5% |
| Equity ratio | 9.4% | 9.2% |
| Debt-to-equity (D/E) | 1.20 | 0.90 |
| Dividend yield | 3.5% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| USB | U.S. Bancorpthis page | |
| PNC | PNC Financial Services Group Inc | Low1.8 |
| TFC | Truist Financial Corp | Low5.5 |
| FITB | Fifth Third Bancorp | Low5.5 |
| HBAN | Huntington Bancshares Incorporated | locked |
| MTB | M&T Bank Corporation | locked |
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