How does USB's PE Ratio compare to its peers?

USB is expensive based on its Price-To-Earnings Ratio (14.9x) compared to the peer average (8.4x).

How does USB's PE Ratio compare vs other companies in the South American Banks Industry?

USB is expensive based on its Price-To-Earnings Ratio (14.9x) compared to the South American Banks industry average (9.1x).

What is USB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

USB is expensive based on its Price-To-Earnings Ratio (14.9x) compared to the estimated Fair Price-To-Earnings Ratio (10.8x).

What is the Fair Price of USB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

USB ($40.62) is trading below our estimate of [[fair value]] ($51.28)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is less than 20% higher than the current share price.

USB Stock Overview

A financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States. More details

USB fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	3/6
Past Performance	1/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 20.8% below our estimate of its fair value

Earnings are forecast to grow 11.56% per year

Pays a reliable dividend of 4.12%

Risk Analysis

Significant insider selling over the past 3 months

My Notes

Capture your thoughts, links and company narrative

U.S. Bancorp Competitors

Banco de Chile

SNSE:CHILE

CL$11.4t

Banco Santander-Chile

SNSE:BSANTANDER

CL$8.9t

Banco de Crédito e Inversiones

SNSE:BCI

CL$6.0t

Scotiabank Chile

SNSE:SCOTIABKCL

CL$2.8t

Price History & Performance

Summary of share price highs, lows and changes for U.S. Bancorp
Historical stock prices
Current Share Price	US$40.62
52 Week High	US$40.62
52 Week Low	US$40.62
Beta	1.05
1 Month Change	0%
3 Month Change	0%
1 Year Change	-10.39%
3 Year Change	-27.18%
5 Year Change	-26.78%
Change since IPO	0.25%

Recent updates

Shareholder Returns

	USB	CL Banks	CL Market
7D	0%	0.6%	0.7%
1Y	-10.4%	7.8%	8.2%

Return vs Industry: USB underperformed the CL Banks industry which returned 7.9% over the past year.

Return vs Market: USB underperformed the CL Market which returned 8% over the past year.

Price Volatility

Is USB's price volatile compared to industry and market?
USB volatility
USB Average Weekly Movement	0%
Banks Industry Average Movement	2.0%
Market Average Movement	2.0%
10% most volatile stocks in CL Market	4.7%
10% least volatile stocks in CL Market	0.6%

Stable Share Price: Data is not available.

Volatility Over Time: Insufficient data to determine USB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1863	75,465	Andy Cecere	www.usbank.com

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. It operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments.

U.S. Bancorp Fundamentals Summary

How do U.S. Bancorp's earnings and revenue compare to its market cap?
USB fundamental statistics
Market cap	US$75.65b
Earnings (TTM)	US$5.09b
Revenue (TTM)	US$24.90b

14.9x

P/E Ratio

1.5x

P/B Ratio

Is USB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
USB income statement (TTM)
Revenue	US$24.90b
Cost of Revenue	US$0
Gross Profit	US$24.90b
Other Expenses	US$19.80b
Earnings	US$5.09b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Jan 16, 2025

Earnings per share (EPS)	3.27
Gross Margin	100.00%
Net Profit Margin	20.46%
Debt/Equity Ratio	138.7%

How did USB perform over the long term?

See historical performance and comparison

Dividends

4.1%

Current Dividend Yield

60%

Payout Ratio

Does USB pay a reliable dividends?

See USB dividend history and benchmarks

When do you need to buy USB by to receive an upcoming dividend?
U.S. Bancorp dividend dates
Ex Dividend Date	Dec 31 2024
Dividend Pay Date	Jan 15 2025
Days until Ex dividend	0 days
Days until Dividend pay date	15 days

Does USB pay a reliable dividends?

See USB dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/30 05:40
End of Day Share Price	2024/12/30 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

U.S. Bancorp is covered by 62 analysts. 16 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Stephen Biggar	Argus Research Company
Christopher Wheeler	Atlantic Equities LLP
David George	Baird

USB Stock Overview

Rewards

Risk Analysis

U.S. Bancorp Competitors

SNSE:CHILE

CL$11.4t

SNSE:BSANTANDER

CL$8.9t

SNSE:BCI

CL$6.0t

SNSE:SCOTIABKCL

CL$2.8t

Price History & Performance

Recent News & Updates

U.S. Bancorp Announces Regular Quarterly Dividend, Payable on January 15, 2025

U.S. Bancorp Appoints Kristy Carstensen as Head of U.S. Bank Global Treasury Management

U.S. Bancorp Appoints Kristy Carstensen as Leader of U.S. Bank Global Treasury Management

U.S. Bancorp Announces Management Changes

U.S. Bancorp Announces Structural Changes for Payments Business

Vice Chairman of Payment Services recently sold US$1.7m worth of stock

Recent updates

U.S. Bancorp Announces Regular Quarterly Dividend, Payable on January 15, 2025

U.S. Bancorp Appoints Kristy Carstensen as Head of U.S. Bank Global Treasury Management

U.S. Bancorp Appoints Kristy Carstensen as Leader of U.S. Bank Global Treasury Management

U.S. Bancorp Announces Management Changes

U.S. Bancorp Announces Structural Changes for Payments Business

Vice Chairman of Payment Services recently sold US$1.7m worth of stock

Third quarter 2024 earnings released: EPS: US$1.10 (vs US$0.91 in 3Q 2023)

U.S. Bancorp to Report Q3, 2024 Results on Oct 16, 2024

Second quarter dividend of US$0.50 announced

U.S. Bancorp (NYSE:USB) announces an Equity Buyback for $5,000 million worth of its shares.

U.S. Bank Unveils Two New U.S. Bank Smartly Products

Second quarter 2024 earnings released: EPS: US$0.97 (vs US$0.84 in 2Q 2023)

Aleem Gillani Joins U.S. Bancorp Board of Directors

U.S. Bancorp Plans to Increase Quarterly Common Stock Dividend for the Fourth Quarter of 2024

U.S. Bancorp Announces Executive Changes

U.S. Bancorp to Report Q2, 2024 Results on Jul 17, 2024

First quarter dividend of US$0.49 announced

U.S. Bancorp Announces Quarterly Dividend, Payable on July 15, 2024

U.S. Bancorp Announces New Leaders for its WCIB business

U.S. Bancorp Appoints Gunjan Kedia as President

First quarter 2024 earnings released: EPS: US$0.78 (vs US$1.04 in 1Q 2023)

First quarter 2024 earnings released: EPS: US$0.85 (vs US$1.04 in 1Q 2023)

U.S. Bancorp to Report Q1, 2024 Results on Apr 17, 2024

Upcoming dividend of US$0.49 per share

Fourth quarter dividend of US$0.49 announced

U.S. Bancorp Declares Regular Quarterly Dividend, Payable on April 15, 2024

U.S. Bancorp Appoints Bill Mulvihill as Head for Loan Capital Markets

U.S. Bancorp, Annual General Meeting, Apr 16, 2024

Full year 2023 earnings released: EPS: US$3.27 (vs US$3.69 in FY 2022)

New major risk - Share price stability

Full year 2023 earnings released: EPS: US$3.52 (vs US$3.69 in FY 2022)

Upcoming dividend of US$0.49 per share at 4.6% yield

Investor sentiment improves as stock rises 17%

Key Executive recently sold US$1.0m worth of stock

U.S. Bancorp Declares Regular Quarterly Dividend, Payable on January 16, 2024

Third quarter 2023 earnings released: EPS: US$0.91 (vs US$1.16 in 3Q 2022)

U.S. Bancorp Provides Earnings Guidance for the Fourth Quarter 2023

U.S. Bank Names Ariel Meyerstein as Head of ESG Program Office

U.S. Bancorp to Report Q3, 2023 Results on Oct 18, 2023

Upcoming dividend of US$0.48 per share at 5.7% yield

U.S. Bank Appoints Kai Sakstrup as Chief Product Officer for Its Wealth, Corporate, Commercial and Institutional Banking Division, Effective October 1, 2023

U.S. Bancorp Appoints Joe Persichetti as Head of Healthcare Business Banking

U.S. Bancorp Announces Quarterly Dividend, Payable on October 16, 2023

U.S. Bancorp Appoints Shruti Patel as Chief Product Officer

U.S. Bancorp Announces Chief Financial Officer Changes, Effective September 1, 2023

Vice Chair & CFO recently sold US$1.0m worth of stock

U.S. Bancorp announced that it expects to receive $936 million in funding from Mitsubishi UFJ Financial Group, Inc.