U.S. Bancorp
USB Financial Services Banks - Regional NYSE
$51.26
$-0.11 (-0.21%)
Open: $51.17 | High: $51.78 | Low: $51.12 | Prev Close: $51.37
Market Cap: $79.68B
Volume: 7.5M | Avg: 9.2M
Last updated: December 05, 2025 at 10:07 PMInvestment Rating
Neutral
Overall Score: 60/100
Rating Breakdown:
Stock Score Analysis
Stock Score: 470
Comprehensive Quality Assessment
Component Breakdown:
Valuation Metrics
| P/E Ratio | 11.73 |
| P/B Ratio | 1.26 |
| P/S Ratio | 1.93 |
| EPS | $4.37 |
| Beta | 1.11 |
| Shares Outstanding | 1.55B |
| 52-Week High | $52.59 |
| 52-Week Low | $35.18 |
| SMA 50 | $47.57 |
| SMA 200 | $45.22 |
| Dividend Yield | 3.94% |
| Annual Dividend | $2.02 |
| Next Earnings | January 20, 2026 01:30 PM ET |
Financial Ratios
| Gross Margin | 62.9% |
| Operating Margin | 22.0% |
| Net Margin | 17.4% |
| ROE | 11.8% |
| ROA | 1.0% |
| Debt/Equity | 1.23 |
| Current Ratio | 0.12 |
| Quick Ratio | 0.12 |
Balance Sheet
| Total Assets | $678.32B |
| Total Liabilities | $619.28B |
| Total Equity | $58.58B |
| Cash | $56.50B |
| Total Debt | $73.52B |
| Net Debt | $17.02B |
Income Statement
| Revenue | $42.71B |
| Gross Profit | $25.10B |
| Operating Income | $7.91B |
| Net Income | $6.30B |
| EBITDA | $8.85B |
| Revenue/Share | $26.56 |
Cash Flow
| Operating CF | $11.27B |
| CapEx | N/A |
| Free Cash Flow | $11.27B |
| Book Value/Share | $40.97 |
| Tangible Book/Share | $29.55 |
| Equity/Share | $40.68 |
Technical Indicators
| RSI (14) | 74.11 Overbought |
| MACD |
0.85
Signal: 0.41
|
| Volatility | 20.08% |
| Trading Signal | Overbought |
Performance & Returns
| 1 Year | +8.79% |
| Sharpe Ratio | 0.41 Fair |
| Volatility (Ann.) | 27.91% Moderate |
| USB (1Y) | +8.79% |
| S&P 500 (1Y) | +11.86% |
| Alpha (Excess Return) | -3.08% |
Sector Comparison (Financial Services)
| Metric | USB | Sector Avg | Percentile |
|---|---|---|---|
| P/E Ratio | 11.73 | 48.3 | 8% |
| P/B Ratio | 1.26 | 3.96 | 22% |
| ROE (%) | 11.81% | 18.46% | 36% |
| Net Margin (%) | 17.38% | 18.56% | 54% |
| Stock Score | 470 | 407.0 | 67% |
| 1Y Return (%) | +8.79% | +6.22% | 61% |
Historical Price Analysis (Last 200 Days)
Technical Analysis
| Ticker | Close | SMA 5 | SMA 8 | SMA 13 | SMA 50 | SMA 200 | RSI (14) | MACD | Volatility (%) | Volume | Signal | SMA Decision |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| USB | $51.26 | $50.09 | $49.51 | $48.35 | $47.57 | $45.22 | 74.11 | 0.85 | 20.08% | 7917623 | Strong Long | Bullish Stack |
Candlestick Patterns
There wasn't any recognizable pattern for the USB stock
News Sentiment
| 📊 Ticker | 📰 Headline | 💭 Sentiment | 📡 Source | 🔗 URL |
|---|---|---|---|---|
| USB | US Bancorp: A Strong Contender in the Banking Sector | Neutral | fool.com | Read More |
| USB | U.S. Bancorp to Speak at the Goldman Sachs U.S. Financial Services Conference | Neutral | businesswire.com | Read More |
| USB | 17 dividend-stock bargains from a value manager with a stellar track record | Positive | marketwatch.com | Read More |
| USB | 5 Banks That Outperform the S&P 500 in Volatile November | Neutral | zacks.com | Read More |
| USB | USB or BK: Which Is the Better Value Stock Right Now? | Neutral | zacks.com | Read More |
Company Information
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 in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; lending services, such as traditional credit products; and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. In addition, the company offers investment and insurance products to its customers principally within its markets, as well as fund administration services to a range of mutual and other funds. Further, it provides corporate and purchasing card, and corporate trust services; and merchant processing services, as well as investment management, ATM processing, mortgage banking, insurance, and brokerage and leasing services. As of December 31, 2021, the company provided its products and services through a network of 2,230 banking offices principally operating in the Midwest and West regions of the United States, as well as through on-line services, over mobile devices, and other distribution channels; and operated a network of 4,059 ATMs. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota.
| CEO | Gunjan Kedia |
| Employees | 70000 |
| Country | US |
| IPO Date | 1973-05-03 |
| Exchange | NYSE |
| Website | https://www.usbank.com |
| Sector | Financial Services |
| Industry | Banks - Regional |
Similar Stocks (Financial Services - Banks - Regional)
Rating Metrics Explained
DCF Score (Discounted Cash Flow)
Measures the intrinsic value of the stock based on projected future cash flows. A higher score indicates the stock is undervalued relative to its DCF valuation.
ROE Score (Return on Equity)
Evaluates how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better profitability and management effectiveness.
ROA Score (Return on Assets)
Measures how efficiently a company uses its assets to generate profit. A higher ROA means better asset utilization and operational efficiency.
D/E Score (Debt-to-Equity)
Assesses the company's financial leverage and risk. Lower debt-to-equity ratios indicate less financial risk and better balance sheet health.
P/E Score (Price-to-Earnings)
Compares stock price to earnings per share. A lower P/E ratio may indicate the stock is undervalued, while a higher ratio could suggest overvaluation or growth expectations.
P/B Score (Price-to-Book)
Compares market price to book value per share. Lower P/B ratios may indicate undervaluation relative to the company's net asset value.
Rating Recommendations:
Each metric is scored on a scale of 1-5, where the scores are determined by comparing the company's performance against industry benchmarks and historical data:
-
Strong Buy (5/5): Excellent score - strong positive indicator
- The metric significantly outperforms industry averages (top 20% of companies)
- Indicates exceptional financial health or attractive valuation in that category
-
Buy (4/5): Good score - positive indicator
- Above-average performance (top 40% of companies)
- Shows strong fundamentals with room for improvement
-
Neutral (3/5): Average score - neutral indicator
- Performance in line with industry median (middle 20%)
- Neither significantly positive nor negative signal
-
Sell (2/5): Below average - negative indicator
- Below-average performance (bottom 40% of companies)
- Suggests weakness in this particular metric
-
Strong Sell (1/5): Poor score - strong negative indicator
- Significantly underperforms industry (bottom 20%)
- Indicates potential risk or overvaluation in that category