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US Bancorp (USB)

Valor Justo
Financial ServicesBanks - RegionalUnited States

Fundamental

67

Preço

$56.71

Capitalização de Mercado

$91.58B

Parte 1 · Quanto vale a empresa

Visão Geral

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.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

No editorial profile for this company yet

No competitor list for this company yet.

Balanço & Liquidez

Receita

$29.58B

Últimos 12 meses (até 30/06/2026)

Resultado Líquido

$8.17B

Últimos 12 meses (até 30/06/2026)

Fluxo de Caixa Livre

-

Capital Próprio Total

$65.19B

Passivo Total

$626.69B

Rácio de Liquidez

-

Cobertura de Juros

0.60

Dívida/EBITDA

-

Resultados Por Ação

Receita & Resultado Líquido

Fluxo de Caixa Livre

Decomposição dos Resultados

Demonstração histórica

Margens ao longo do tempo

A dívida ao longo do tempo

Grelha do crescimento

Crescimento — Receitas

Estimativa de Valor Justo

BancoJustamente Valorizada

Valor Justo

$56.08

Preço Atual

$56.71

Margem de Segurança

-1.1%

Intervalo de Valor Justo

$45.43 - $66.73

Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.

Métodos de Estimativa

Preço-alvo dos analistas:$70.43
Fluxo de caixa descontado (DCF):Não aplicável a este tipo de empresa
Multiplicador de lucros (P/E):$52.76
Fórmula de crescimento de Graham:Não aplicável a este tipo de empresa
Valor da capacidade de gerar lucro (EPV):Não aplicável a este tipo de empresa
P/B justificado:$56.39
Desconto de dividendos (Gordon):$37.10
P/FFO, fundos de operações:Não aplicável a este tipo de empresa
Lucros de meio de ciclo:Não aplicável a este tipo de empresa
Multiplicador sobre as receitas:Não aplicável a este tipo de empresa
Consenso dos Analistas:Comprar (16B / 10H / 1S)
Última Surpresa de Resultados:+4.70%

Métricas de Avaliação

Rácio P/E

11.53

ROE

11.6%

Rácio P/B

1.33

P/FCF

-

Margem Bruta

-

ROIC

-

Radar de Rentabilidade

Criação de Valor (Vantagem Competitiva)

ROIC

-

WACC

12.0%

ROIC − WACC

-

Critérios de Análise Fundamental

Aprovado (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

Reprovado (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%

Indisponível (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

Saúde financeira sólida

score
criteria

Qualidade dos Resultados

1.53

Alta qualidade: resultados respaldados por caixa

Diluição de Ações

-1.4%

A recomprar ações. Favorável ao acionista

Participações institucionais

Governação

Equipa Executiva

NomeCargoIdade
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

Risco de Auditoria

7

Risco do Conselho

7

Risco de Remuneração

2

Risco dos Direitos dos Acionistas

7

Parte 2 · O preço e o momento de entrar

Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.

Documentos

  • Relatório anual (10-K)

    Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.

    Arquivado em 2026-02-23

    Ver documento
  • Relatório trimestral (10-Q)

    Uma atualização sobre o desempenho financeiro dos últimos três meses.

    Arquivado em 2026-08-06

    Ver documento
  • Relatório de fato relevante (8-K)

    Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.

    Arquivado em 2026-07-16

    Ver documento

via SEC EDGAR

Histórico 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