U.S. Bancorp (USB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $bn | 23 | 23 | 24 | 28 | 27 | 29 | 30 | - |
| Operating profit | $bn | 10 | 10 | ||||||
| Net profit | $bn | 5 | 8 | 6 | 5 | 6 | 8 | 8 | 8 |
| EPS reported | $ | 4.61 | 5.00 | ||||||
| Operating cashflow per share | $ | 5.13 | 7.97 | ||||||
| Capex per share | $ | 0.00 | 0.00 | ||||||
| FCF per share | $ | 5.13 | 7.97 | ||||||
| Free cash flow | $bn | 8 | 12 | ||||||
| Net debt | $bn | -60 | 30 | ||||||
| Book value equity | $bn | 65 | 67 | ||||||
| Book value per share | $ | 41.90 | 43.36 | ||||||
| Number of shares | m | 1,556 | 1,555 | ||||||
| DPS (TTM paid) | $ | 2.04 | 2.62 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.57 | 11.87 | ||||||
| P/B LTM | x | 1.27 | 1.23 | ||||||
| P/S LTM | x | 2.91 | 2.80 | ||||||
| P/FCF LTM | x | 10.41 | 6.70 | ||||||
| EV/EBITDA LTM | x | 11.08 | 10.49 | ||||||
| EV/Sales LTM | x | 2.66 | 2.96 | ||||||
| Earnings Yield LTM | % | +8.64% | +8.42% | ||||||
| FCF Yield | % | +9.61% | +14.93% | ||||||
| Quality | |||||||||
| ROE | % | +11.62% | +12.49% | ||||||
| ROIC | % | +4.46% | +9.49% | ||||||
| Operating margin | % | +22.20% | +23.95% | ||||||
| Gross margin | % | +62.83% | +63.78% | ||||||
| FCF/Sales | % | +18.59% | +28.31% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +21.64% | +31.93% | ||||||
| Sales Growth YoY | % | +4.41% | +8.22% | ||||||
| Net Income Growth YoY | % | +20.27% | +29.77% | ||||||
| FCF Growth | % | -29.30% | +9.86% | ||||||
| Operating Profit Growth | % | +20.33% | +32.44% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.22% | +3.24% | ||||||
| Dividend Growth | % | +3.03% | +32.32% | ||||||
| Payout Ratio | % | +48.82% | +45.65% | ||||||
| FCF/Debt | x | 0.10 | 0.13 | ||||||
| Net Debt/EBITDA | x | 3.02 | 2.72 | ||||||
| EBIT/Net interest | x | 0.66 | 0.74 | ||||||
| Net debt/market cap | % | +93.92% | +96.14% | ||||||
| Net debt/Equity | x | -0.92 | 0.44 | ||||||
| Gross debt/equity | x | 1.20 | 1.42 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
U.S. Bancorp (USB) functions as a broad-based financial services holding company, delivering a comprehensive spectrum of banking and financial solutions throughout the United States. Its diverse customer base includes individual consumers, various businesses, institutional organizations, governmental bodies, and other financial entities. The company organizes its operations across key segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. Its offerings encompass fundamental depository services such as checking accounts, savings accounts, and time certificates. U.S. Bancorp also extends a variety of credit facilities, including traditional lending products, credit card services, lease financing, support for import/export trade, asset-backed lending, and agricultural finance. Furthermore, it provides supplementary services like capital markets access, treasury management, and receivable lock-box collection for its corporate and governmental clients. The firm also offers a full suite of asset management and fiduciary services designed for individuals, estates, foundations, corporations, and charitable organizations. Beyond these, the company supplies investment and insurance products, predominantly to customers within its operating regions, and delivers fund administration services to a range of mutual and other investment funds. Its portfolio also includes corporate and purchasing card services, corporate trust management, and merchant processing. U.S. Bancorp's capabilities additionally span investment management, ATM network operation, mortgage banking, insurance provision, brokerage activities, and leasing services. As of December 31, 2021, the company distributed its products and services through a physical network of 2,230 banking branches, mainly concentrated in the Midwest and Western United States. Digital access was also extensively provided via online platforms, mobile devices, and other electronic channels. Additionally, it managed a network of 4,059 ATMs. Founded in 1863, U.S. Bancorp is headquartered in Minneapolis, Minnesota.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
U.S. Bancorp (USB) functions as a broad-based financial services holding company, delivering a comprehensive spectrum of banking and financial solutions throughout the United States. Its diverse customer base includes individual consumers, various businesses, institutional organizations, governmental bodies, and other financial entities. The company organizes its operations across key segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. Its offerings encompass fundamental depository services such as checking accounts, savings accounts, and time certificates. U.S. Bancorp also extends a variety of credit facilities, including traditional lending products, credit card services, lease financing, support for import/export trade, asset-backed lending, and agricultural finance. Furthermore, it provides supplementary services like capital markets access, treasury management, and receivable lock-box collection for its corporate and governmental clients. The firm also offers a full suite of asset management and fiduciary services designed for individuals, estates, foundations, corporations, and charitable organizations. Beyond these, the company supplies investment and insurance products, predominantly to customers within its operating regions, and delivers fund administration services to a range of mutual and other investment funds. Its portfolio also includes corporate and purchasing card services, corporate trust management, and merchant processing. U.S. Bancorp's capabilities additionally span investment management, ATM network operation, mortgage banking, insurance provision, brokerage activities, and leasing services. As of December 31, 2021, the company distributed its products and services through a physical network of 2,230 banking branches, mainly concentrated in the Midwest and Western United States. Digital access was also extensively provided via online platforms, mobile devices, and other electronic channels. Additionally, it managed a network of 4,059 ATMs. Founded in 1863, U.S. Bancorp is headquartered in Minneapolis, Minnesota.
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