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US Bancorp (USB)

Juste valeur
Financial ServicesBanks - RegionalUnited States

Fondamental

67

Prix

$57.76

Capitalisation boursière

$91.58B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

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

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Bilan & Liquidités

Chiffre d'affaires

$29.58B

12 derniers mois (au 30/06/2026)

Résultat net

$8.17B

12 derniers mois (au 30/06/2026)

Flux de trésorerie libre

-

Capitaux propres totaux

$65.19B

Passif total

$626.69B

Ratio de liquidité général

-

Couverture des intérêts

0.60

Dette/EBITDA

-

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

BanqueJustement valorisé

Juste valeur

$56.08

Prix actuel

$57.76

Marge de sécurité

-3.0%

Fourchette de juste valeur

$45.43 - $66.73

Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.

Méthodes d'estimation

Objectif de cours des analystes:$70.43
Flux de trésorerie actualisés (DCF):Non applicable à ce type d'entreprise
Multiple de résultat (P/E):$52.76
Formule de croissance de Graham:Non applicable à ce type d'entreprise
Valeur de la capacité bénéficiaire (EPV):Non applicable à ce type d'entreprise
P/B justifié:$56.39
Actualisation des dividendes (Gordon):$37.10
P/FFO, les fonds provenant de l'exploitation:Non applicable à ce type d'entreprise
Bénéfices de milieu de cycle:Non applicable à ce type d'entreprise
Multiple sur le chiffre d'affaires:Non applicable à ce type d'entreprise
Consensus des analystes:Acheter (16B / 10H / 1S)
Dernière surprise sur les résultats:+4.70%

Indicateurs de valorisation

Ratio P/E

11.53

ROE

11.6%

Ratio P/B

1.33

P/FCF

-

Marge brute

-

ROIC

-

Radar de rentabilité

Création de valeur (avantage concurrentiel)

ROIC

-

WACC

12.0%

ROIC − WACC

-

Critères d'analyse fondamentale

Réussi (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

Échoué (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%

Indisponible (8)

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

Score F de Piotroski

7/9

Santé financière solide

score
criteria

Qualité des bénéfices

1.53

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

-1.4%

Rachat d'actions. Favorable aux actionnaires

Participations institutionnelles

Gouvernance

Équipe dirigeante

NomTitreÂge
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

Risque d'audit

7

Risque du conseil

7

Risque de rémunération

2

Risque droits des actionnaires

7

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.

Documents

  • Rapport annuel (10-K)

    Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.

    Déposé le 2026-02-23

    Voir le document
  • Rapport trimestriel (10-Q)

    Une mise à jour de la performance financière des trois derniers mois.

    Déposé le 2026-08-06

    Voir le document
  • Rapport d'événement important (8-K)

    Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.

    Déposé le 2026-07-16

    Voir le document

via SEC EDGAR

Historique des résultats

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