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	4/6
Future Growth	1/6
Past Performance	1/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 44.4% below our estimate of its fair value

Earnings are forecast to grow 11.56% per year

Pays a reliable dividend of 4.17%

Risk Analysis

Significant insider selling over the past 3 months

My Notes

Capture your thoughts, links and company narrative

Community Narratives

Create a narrative

Narratives bring a range of perspectives from our community.

Analyst Price Target

Consensus Narrative from 22 Analysts

Digital Strategies Will Improve Customer Engagement And Drive Future Earnings

Key Takeaways U.S. Bancorp is driving revenue growth through improved interest income and expanded fee-based business channels, enhancing future earnings prospects. Strategic initiatives in digital capabilities and share repurchases aim to improve customer engagement and boost shareholder value.

View narrative

US$56.65

15.4% undervalued

7.50%

Revenue growth p.a.

2 days ago

U.S. Bancorp Competitors

PNC Financial Services Group

NYSE:PNC

US$75.4b

Citigroup

NYSE:C

US$129.4b

Fifth Third Bancorp

NasdaqGS:FITB

US$28.3b

Wells Fargo

NYSE:WFC

US$229.2b

Price History & Performance

Summary of share price highs, lows and changes for U.S. Bancorp
Historical stock prices
Current Share Price	US$47.92
52 Week High	US$53.98
52 Week Low	US$37.81
Beta	1.05
1 Month Change	-5.56%
3 Month Change	4.15%
1 Year Change	10.14%
3 Year Change	-14.90%
5 Year Change	-19.77%
Change since IPO	3,865.79%

U.S. Bancorp Series A Preferred Stock: A Hidden Treasure With Appealing Capital Appreciation Potential

Nov 26

Recent updates

U.S. Bancorp Series A Preferred Stock: A Hidden Treasure With Appealing Capital Appreciation Potential

Nov 26

U.S. Bancorp: I'm Buying This Undervalued Stock That Just Raised Its Dividend

Oct 14

U.S. Bancorp: Share Repurchase Plan, Dovish Fed Give Compelling Arguments To Buy

Sep 20

U.S. Bancorp: Excessive Premium To Tangible Equity, Growing Loan Loss Risks, And Precarious Deposits

Mar 15

Aristotle Capital - U.S. Bancorp: An Attractive Return Profile At Discount To Intrinsic Value

Mar 02

U.S. Bancorp: Two Ways To Earn Good Income

Jan 29

U.S. Bancorp: Buy The Dip Opportunity (Technical Analysis)

Jan 22

U.S. Bancorp Remains A Good Income Play

Jan 09

U.S. Bancorp: A Great Time To Exit

Dec 19

U.S. Bancorp: Balance Sheet Flexibility Creates Opportunity

Nov 29

U.S. Bancorp Q3: Growing CRE Headwinds (Rating Downgrade)

Oct 25

Shareholder Returns

	USB	US Banks	US Market
7D	-6.1%	-3.4%	-2.4%
1Y	10.1%	29.1%	23.3%

Return vs Industry: USB underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: USB underperformed the US Market which returned 23.3% over the past year.

Price Volatility

Is USB's price volatile compared to industry and market?
USB volatility
USB Average Weekly Movement	4.1%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: USB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: USB's weekly volatility (4%) has been stable 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$73.96b
Earnings (TTM)	US$5.09b
Revenue (TTM)	US$24.90b

14.7x

P/E Ratio

1.4x

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

4.2%

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	10 days
Days until Dividend pay date	25 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	2024/12/20 22:44
End of Day Share Price	2024/12/20 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 63 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

Digital Strategies Will Improve Customer Engagement And Drive Future Earnings

U.S. Bancorp Competitors

NYSE:PNC

US$75.4b

NYSE:C

US$129.4b

NasdaqGS:FITB

US$28.3b

NYSE:WFC

US$229.2b

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 Series A Preferred Stock: A Hidden Treasure With Appealing Capital Appreciation Potential

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

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 Series A Preferred Stock: A Hidden Treasure With Appealing Capital Appreciation Potential

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

Vice Chairman of Payment Services notifies of intention to sell stock

Third quarter 2024 earnings: EPS exceeds analyst expectations while revenues lag behind

U.S. Bancorp: I'm Buying This Undervalued Stock That Just Raised Its Dividend

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

U.S. Bancorp: Share Repurchase Plan, Dovish Fed Give Compelling Arguments To Buy

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

U.S. Bancorp: Get Out Before The Fed Pivot

Second quarter 2024 earnings: EPS exceeds analyst expectations

Aleem Gillani Joins U.S. Bancorp Board of Directors

U.S. Bancorp Stock: Multiple Red Flags Make Me Downgrade To Hold

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 Series A Preferred: A Good Source Of Income

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

U.S. Bancorp Appoints Gunjan Kedia as President

First quarter 2024 earnings: Revenues and EPS in line with analyst expectations

U.S. Bancorp: Headwinds Persist

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

U.S. Bancorp Stock: An Attractive Income Pick Ahead Of Q1 2024 Earnings

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: Excessive Premium To Tangible Equity, Growing Loan Loss Risks, And Precarious Deposits

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

Aristotle Capital - U.S. Bancorp: An Attractive Return Profile At Discount To Intrinsic Value

Full year 2023 earnings: EPS misses analyst expectations

Chairman notifies of intention to sell stock

Insider notifies of intention to sell stock

U.S. Bancorp: Two Ways To Earn Good Income

U.S. Bancorp: Buy The Dip Opportunity (Technical Analysis)

Full year 2023 earnings: EPS misses analyst expectations

Price target increased by 7.0% to US$48.32

U.S. Bancorp Remains A Good Income Play

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

U.S. Bancorp: A Great Time To Exit

Key Executive recently sold US$1.0m worth of stock

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

U.S. Bancorp: Balance Sheet Flexibility Creates Opportunity

U.S. Bancorp Q3: Growing CRE Headwinds (Rating Downgrade)

Shareholder Returns

Price Volatility

About the Company

U.S. Bancorp Fundamentals Summary

14.7x