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US Bancorp (USB)

合理估值
Financial ServicesBanks - RegionalUnited States

基本面

67

价格

$56.37

市值

$91.58B

第一部分 · 这家公司值多少

概览

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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资产负债表与流动性

营收

$29.58B

最近12个月(截至2026/6/30)

净利润

$8.17B

最近12个月(截至2026/6/30)

自由现金流

-

股东权益合计

$65.19B

负债合计

$626.69B

流动比率

-

利息覆盖率

0.60

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

银行合理估值

公允价值

$56.08

当前价格

$56.37

安全边际

-0.5%

公允价值区间

$45.43 - $66.73

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$70.43
现金流折现法(DCF):不适用于此类公司
市盈率法(P/E):$52.76
格雷厄姆成长公式:不适用于此类公司
盈利能力价值(EPV):不适用于此类公司
合理市净率(P/B):$56.39
股息折现模型(戈登模型):$37.10
P/FFO(运营资金):不适用于此类公司
周期中段收益:不适用于此类公司
市销率法(P/S):不适用于此类公司
分析师共识:买入 (16B / 10H / 1S)
最近财报超预期:+4.70%

估值指标

市盈率(P/E)

11.53

ROE

11.6%

市净率(P/B)

1.33

P/FCF

-

毛利率

-

ROIC

-

盈利能力雷达图

价值创造(经济护城河)

ROIC

-

WACC

12.0%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(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%

不可用(8)

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

Piotroski F-评分

7/9

财务状况强健

score
criteria

盈利质量

1.53

高质量:盈利有现金流支撑

股权稀释

-1.4%

正在回购股份,对股东友好

机构持股

公司治理

管理团队

姓名职位年龄
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

审计风险

7

董事会风险

7

薪酬风险

2

股东权利风险

7

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-23

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-08-06

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-07-16

    查看文件

via SEC EDGAR

损益历史

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