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US Bancorp (USB)

Valor Justo
Financial ServicesBanks - RegionalUnited States

Fundamental

67

Precio

$56.37

Capitalización Bursátil

$91.58B

Parte 1 · Cuánto vale la empresa

Resumen

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.

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Direct competitors

Who this company fights with for the same customers

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No competitor list for this company yet.

Balance y Liquidez

Ingresos

$29.58B

Últimos 12 meses (hasta 30/6/2026)

Beneficio Neto

$8.17B

Últimos 12 meses (hasta 30/6/2026)

Flujo de Caja Libre

-

Patrimonio Neto Total

$65.19B

Pasivo Total

$626.69B

Ratio de Liquidez

-

Cobertura de Intereses

0.60

Deuda/EBITDA

-

Beneficio Por Acción

Ingresos y Beneficio Neto

Flujo de Caja Libre

Desglose de Ingresos

Estado histórico

Márgenes en el tiempo

La deuda en el tiempo

Cuadro de crecimiento

Crecimiento — Ingresos

Estimación de Valor Justo

BancoValoración Justa

Valor Justo

$56.08

Precio Actual

$56.37

Margen de Seguridad

-0.5%

Rango de Valor Justo

$45.43 - $66.73

Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.

Métodos de Estimación

Precio objetivo de los analistas:$70.43
Flujo de caja descontado (DCF):No aplicable a este tipo de empresa
Múltiplo sobre beneficios (P/E):$52.76
Fórmula de crecimiento de Graham:No aplicable a este tipo de empresa
Valor de la capacidad de generar beneficios (EPV):No aplicable a este tipo de empresa
P/B justificado:$56.39
Descuento de dividendos (Gordon):$37.10
P/FFO, fondos de operaciones:No aplicable a este tipo de empresa
Beneficios de mitad de ciclo:No aplicable a este tipo de empresa
Múltiplo sobre ingresos:No aplicable a este tipo de empresa
Consenso de Analistas:Comprar (16B / 10H / 1S)
Última Sorpresa de Resultados:+4.70%

Métricas de Valoración

Ratio P/E

11.53

ROE

11.6%

Ratio P/B

1.33

P/FCF

-

Margen Bruto

-

ROIC

-

Radar de Rentabilidad

Creación de Valor (Ventaja Competitiva)

ROIC

-

WACC

12.0%

ROIC − WACC

-

Criterios de Análisis Fundamental

Superado (13)

  • EPS shows upward trend
  • P/B Ratio 1.33
  • Operating Margin 34.5%
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 12.5%
  • Analyst Consensus 59% Buy
  • Earnings Surprise avg 4.8%
  • PEG Ratio 1.38
  • Earnings Quality (OCF/NI) 1.53
  • Share Dilution -1.4%
  • Net Margin Trend 27.6% vs 24.9%
  • Piotroski F-Score 7/9

Fallido (7)

  • EPS CAGR 3.66%
  • Price CAGR 2.04%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Unknown)
  • Revenue Growth 5Y 4.6%

No disponible (8)

  • ROIC NaN%
  • Gross Margin NaN%
  • P/FCF NaN
  • Dividend Payout NaN%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Debt/EBITDA

Piotroski F-Score

7/9

Solidez financiera fuerte

score
criteria

Calidad de los Beneficios

1.53

Alta calidad: beneficios respaldados por efectivo

Dilución de Acciones

-1.4%

Recomprando acciones. Favorable para el accionista

Participaciones institucionales

Gobernanza

Equipo Directivo

NombreCargoEdad
Ms. Gunjan KediaPresident, CEO & Chairman54
Mr. John C. SternVice Chair & Chief Financial Officer46
Mr. Elcio R. T. BarcelosSenior EVP & Chief Human Resources Officer54
Mr. Stephen L. PhilipsonVice Chair & Head of Wealth, Corporate, Commercial and Institutional Banking45
Ms. Jodi L. RichardVice Chair & Chief Risk Officer56
Mr. Toby ClementsSenior EVP & Chief Operations Officer-
Mr. Alan FlanaganHead of Global Investment Services-
Ms. Jennifer Ann Thompson C.F.A.EVP & Head of Corporate Finance-
Mr. Dilip VenkatachariSenior EVP and Chief Information & Technology Officer65
Mr. Adam C. GravesSenior EVP and Head of Enterprise Strategy & Administration46

Riesgo de Auditoría

7

Riesgo del Consejo

7

Riesgo de Compensación

2

Riesgo de Derechos del Accionista

7

Parte 2 · El precio y el momento de entrar

Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.

Documentos

  • Informe anual (10-K)

    Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.

    Presentado el 2026-02-23

    Ver documento
  • Informe trimestral (10-Q)

    Una actualización del desempeño financiero de los últimos tres meses.

    Presentado el 2026-08-06

    Ver documento
  • Informe de hecho relevante (8-K)

    Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.

    Presentado el 2026-07-16

    Ver documento

via SEC EDGAR

Historial de Resultados

via SEC EDGAR

Latest News

Recent headlines for USB, sourced from Markets Gazette.

  • 6/1/2026POSITIVE
    U.S. Bancorp Vice Chair, BTIG CEO on Benefits of Combining

    U.S. Bancorp has successfully completed its acquisition of BTIG, a move discussed by U.S. Bancorp Vice Chair Stephen Philipson and BTIG CEO Anton LeRoy. The integration is expected to yield significant benefits, although specific financial projections were not detailed. This strategic acquisition aims to enhance U.S. Bancorp's market position and service offerings, potentially leading to increased revenue streams and operational synergies. Investors will be watching for the tangible impacts on the company's financial performance in the coming quarters.

  • 4/16/2026NEGATIVE
    What's Going On With U.S. Bancorp Stock Thursday?

    U.S. Bancorp's stock experienced a decline on Thursday, even though the company reported an earnings beat. While strong revenue and margin momentum were present, the positive impact was overshadowed by an increase in credit costs. This suggests that despite operational strengths, the bank is facing headwinds from potential loan defaults or increased provisions for losses, which is concerning investors about future profitability and asset quality.

via Markets Gazette