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Company Analysis

U.S. Bancorp USB

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

Overview of U.S. Bancorp

USB NYQ
Financial Services Banks - Regional Large Cap
U.S. Bancorp (USB), is a Large Cap company, in the Banks - Regional industry, last closed at $56.21, about 33.1% overvalued vs fair value, +39.3% 1Y return, placing in the top 25% of its sector.
Metrics P/E 11.0× Rev Growth 56.8% ROE 12.2% Gross Margin 62.8%
$56.21
0.43%
As of April 28, 2026
Previous close • Vol 90d: 23.7%
52-Week Range
Market Cap
$87.33B
Enterprise Value
$118.37B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.usbank.com
HQ Minneapolis, MN
Employees 68,520
Fiscal year Dec 31

Next Events

Dividend Apr 15
Earnings Apr 16 Call: Apr 16

Fair Value Snapshot

Bear Base Bull
$21
$38
$70
Current: $56.21 -33% vs base

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
$14.3B
Net Interest Income
$16.3B
-6.4%%
Total Revenue
$42.9B
56.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.4%
Good

Net Income / Equity - key bank profitability 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 critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating U.S. Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
50
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
62
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing USB's balance between Growth (24.5%), Profitability (33.3%), and Safety (42.2%). Growth 25% Safety 42% Profitability 33%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
41
Key Signals
EPS Growth YoY 27.6% 80p Asset Growth YoY 2.1% 33p Equity Growth YoY 6.8% 49p NII Growth YoY -6.4% 18p
Strengths
  • EPS Growth YoY in top 20% of peers (27.6%, 80th percentile)
  • 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 (1.20, 87th percentile)
  • Debt/Assets in top 20% of peers (11.3%, 85th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-6.4%)
  • Growth below peer median (percentile: 40)

Profitability

54th percentile vs peers
55
Key Signals
Strengths
Risks
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Safety

69th percentile vs peers
70
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$37.61
- - -
-33.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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