Company Analysis

U.S. Bancorp Depositary Shares USB-PH

A comprehensive view of key metrics, scores, and financial health for U.S. Bancorp Depositary Shares

Overview of U.S. Bancorp

USB-PH NYQ

Financial Services Banks - Regional Large Cap

U.S. Bancorp (USB-PH), is a Large Cap company, in the Banks - Regional industry, last closed at $18.80, about 0.0% overvalued vs fair value, -12.3% 1Y return, placing in the top 10% of its sector.

$18.81

-0.13%

As of April 28, 2026

Previous close • Vol 90d: 10.6%

52-Week Range

Low

17.85

23%

Now 18.81

High

21.92

Market Cap

$75.54B

Enterprise Value

$86.89B

Overall Score

View breakdown

Overall

Growth

Weak

Profitability

Good

Health

Fair

Efficiency

Good

100

Valuation

Excellent

Growth

Weak

Profitability

Good

Health

Fair

Efficiency

Good

100

Valuation

Excellent

Completeness: 82%

Confidence: 75%

Updated: Mar 8

Top Beats

No strong beats yet

Quick Facts

Website https://www.usbank.com

HQ Minneapolis, MN

Employees 68,520

Fiscal year Dec 31

Next Events

Dividend Apr 15 Ex-div: Mar 31

Earnings Call Apr 16

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps

Interest Income

$31.7B

5.5%%

Interest Expense

$15.4B

Net Interest Income

$16.3B

-6.4%%

Total Revenue

$27.3B

-2.4%%

Money Flow Bridge

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Flow Direction: Money moves from left to right

Components: Breakdown shows composition of each stage

Industry-Specific: Financial Services

Data Quality Notes

Note: For banks, Owner Pocket percentages are relative to Net Income (not FCF), as traditional FCF is not meaningful.
Note: Operating Expense is estimated from component expenses (G&A + Selling & Marketing). Direct OperatingExpense not available.
Note: Credit Provisions data not available from source. This is a key credit quality metric for banks.

Quality & Reliability Indicators

Return on Equity

11.4%

Good

Net Income / Equity - key bank profitability metric

Locked Metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.6B

61.3% of Net Income

Where It Leaks

Cash Flow Health healthy

Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.

Analysis based on partial data. Some metrics unavailable for complete assessment.

Active Leaks

0/0

Improving

High Impact

Critical

Excellent! No significant cash flow leaks detected for this company.

Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong

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Lending Advantage

Weak

Capital Strength

Developing

Cost Discipline

Weak

Revenue Diversification

Moderate

Risk Management

Developing

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 75% Coverage

Click axes to expand details. Marker shows current allocation.

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Growth

32th percentile vs peers

Key Signals

Asset Growth YoY 2.2% 35p Equity Growth YoY 6.8% 49p NII Growth YoY -6.4% 18p

Strengths

ROTE in top 20% of peers (19.8%, 93th percentile)
Financial Leverage in top 20% of peers (13.38, 89th percentile)
D/E Ratio in top 20% of peers (1.12, 86th percentile)
Debt/Assets in top 20% of peers (9.7%, 80th percentile)

Risks

NII Growth YoY in bottom 20% of peers (-6.4%)
Growth below peer median (percentile: 32)

Profitability

55th percentile vs peers

Key Signals

Strengths

Risks

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Safety

66th percentile vs peers

Key Signals

Strengths

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Two Futures

Scenario-based fair value ranges for U.S. Bancorp Depositary Shares .

WACC X.X%

X%XX%

Rev CAGR 5Y X.X%

-XX%XX%

Op Margin XX.X%

-XX%XX%

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Bear

- - -

- upside

Base

- - -

- upside

Bull

- - -

- upside

Fair Value Range Current: $-

$- $- $-

U.S. Bancorp Depositary Shares USB-PH

Overview of U.S. Bancorp

Quick Facts

Next Events

Fair Value Snapshot

Engine Room Money Flow™

Flow Steps

Money Flow Bridge

Data Quality Notes

Quality & Reliability Indicators

Return on Equity

Locked Metric

Locked Metric

Locked Metric

Locked Metric

Locked Metric

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Where It Leaks

Competitive Advantage Assessment

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Lending Advantage

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Capital Strength

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Cost Discipline

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Revenue Diversification

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Risk Management

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Trade-Off Ledger™

Growth

Profitability

Safety

Two Futures

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