U.S. Bancorp (USB) Stock Analysis
NYQ · Financial Services · Banks - Regional
$58.91
-0.42 (-0.71%)
USB Interactive Price Chart & Trading Signals
USB Stock Snapshot — Valuation, Risk & Technical Signals
USB Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$91.78B
P/E Ratio
11.76
Forward P/E
10.17
PEG Ratio
1.79
P/B Ratio
1.51
EPS
$5.01
Dividend Yield
3.64%
52W Range
$45.02 – $66.08
Beta
0.97
Volume
1.7M
ROE
12.6%
Profit Margin
29.9%
Revenue Growth
10.4%
Gross Margin
—
EV/EBITDA
—
Analyst Target
$70.43
The trailing price-to-earnings ratio stands at 11.8x. Forward P/E of 10.2x implies earnings expansion expected. Price-to-book is 1.51x. Market capitalization is $91.78B. Revenue is growing at 10.4% on a trailing basis. Earnings are expanding at 21.6%. Profit margins are 29.9%. Return on equity is 12.6%. Beta of 0.97 indicates market-average volatility.
Analyst Consensus
Recommendation
Buy
Low Target
$65.00
Mean Target
$70.43
High Target
$77.00
Based on 21 analysts
About U.S. Bancorp
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. The company operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments. It offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, agricultural finance, asset-backed lending, and other products. The company also provides cash management, capital markets, and trust and investment management services; and ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers. In addition, it offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations; and investment and insurance products to its customers principally within its domestic markets, as well as fund administration services to mutual and other funds. Further, the company provides corporate and purchasing card, and corporate trust services; and credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage and leasing services. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.
USB Deep Dive Analysis
Bottom Line
Verdict
OvervaluedBest for
General investorWatch out for
Premium valuationNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
U.S. Bancorp (USB) trades above our multi-model fair value estimate of $47.01 by approximately 20.2%. Trailing P/E: 11.8x. Profitability signals include profit margin of 29.9% and return on equity of 12.6%. Recent growth metrics show revenue growth of 10.4% and earnings growth of 21.6%. Risk profile: beta of 0.97. Consensus: buy.
Valuation, Growth & Risk
Valuation
Overvalued
P/E 11.8x
Price is above what fundamentals suggest.
Growth
Expanding
Rev 10.4%
Revenue is outpacing the market.
Valuation Snapshot
U.S. Bancorp (USB) trades above our multi-model fair value estimate of $47.01 by approximately 20.2%. The trailing price-to-earnings ratio stands at 11.8x. Forward P/E of 10.2x suggests earnings compression ahead. Price-to-sales is 3.4x. Price-to-book is 1.5x. Market capitalization is $91.78B.
Why it matters: Paying a premium works only if the company keeps growing faster than expected.
Growth & Profitability
Revenue is growing at 10.4% on a trailing basis. Earnings are expanding at 21.6%. Profit margins are 29.9%. Return on equity is 12.6%. Return on assets is 1.2%.
Why it matters: Growing revenue with healthy margins usually means the business is gaining market share or pricing power.
Risk Profile
Beta of 0.97 indicates market-average volatility. Net debt position is $29.32B.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $70.43 implies 19.6% upside. Target range spans $65.00 to $77.00. 21 analysts cover the stock. Consensus recommendation: buy.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
Free cash flow yield of 8.7% is attractive for cash-flow-focused investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
USB Overvalued
U.S. Bancorp (USB) trades above our multi-model fair value estimate of $47.01 by approximately 20.2%.
Frequently Asked Questions
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.