U.S. Bancorp

USB-PH • Banks - Diversified

$63.37

▼ -0.16 (-0.25%)

Current price

EarningsLatest report: Jun 30, 2026

FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.

Market Cap

$98.54B

Growth

—

Cash Flow

5/5

Trend

Stable

Evidence

Stable or improving margins · 17.7%Positive revenue growth · 14.7%Positive free cash flow · 5.13Consistent free cash flow · 5/5Reasonable earnings multiple · 10.95

Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 12:12 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$63.37

Change-0.25%

Shares Out1.55B

Market Cap$98.54B

Enterprise Value$128.06B

52W Range17.71 - 20.79

Beta0.98

P/E12.06

P/S2.25

P/B1.46

P/FCF7.18

EV/Sales2.93

Price$63.37

Change-0.25%

Shares Out1.55B

Market Cap$98.54B

Enterprise Value$128.06B

52W Range17.71 - 20.79

Beta0.98

P/E12.06

P/S2.25

P/B1.46

P/FCF7.18

EV/Sales2.93

EV/EBITDA12.01

EV/FCF9.33

Earnings Yield8.30%

FCF Yield13.93%

Dividend Yield4.34%

Gross Margin62.83%

Oper. Margin22.20%

Profit Margin17.68%

Debt/Eq1.20

Current Ratio0.26

Quick Ratio0.26

Target$69.80

Target Upside10.15%

Target Median$68.00

Target Range66.00 - 75.00

Volume78.95K

Avg Volume58.45K

EPS Surprise0.04

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

82/100

Financial Strength

Debt, cash, stability

29/100

Growth Potential

Revenue and expansion

58/100

Price Attractiveness

Cheap or expensive today

87/100

Why this score▼

Stable or improving margins · 17.7%Positive revenue growth · 14.7%Positive free cash flow · 5.13Consistent free cash flow · 5/5Reasonable earnings multiple · 10.95Weak liquidity · 0.26

Analyst view

Analyst sentiment and price target

USB

Analyst sentiment

Based on 49 analyst votes · 2026-09-05

73/100

Bullish

Hold

Bearish

Price Target

2026-08-07

Low

$61.00

Mean

$69.33

Median

$68.00

High

$75.00

Company Overview

IPO: 3/31/2006

Industry: Banks - Diversified

P/B i: 1.46

Debt / Equity i: 1.20

Operating Margin: 22.20%

Net Margin: 17.68%

ROE i: -

ROIC: -

Financial Health

Score6 / 20

Debt / Equity: 1.20

Current Ratio: 0.26

Quick Ratio: 0.26

Status: Weak

Warnings

Weak Liquidity
Weak quick ratio

Insider Transactions

Recent executive and insider activity

CHOSY JAMES L

Transaction: 07/23/2026

SELL

Change

-24,711

Price

$55.01

Filing

07/24/2026

Type

SELL

CHOSY JAMES L

Transaction: 07/23/2026

SELL

Change

-22,968

Price

$63.28

Filing

07/24/2026

Type

SELL

CHOSY JAMES L

Transaction: 07/21/2026

SELL

Change

-3,969

Price

Not reported

Filing

07/22/2026

Type

SELL

Insider	Type	Change	Price	Transaction	Filing
CHOSY JAMES L	SELL	-24,711	$55.01	07/23/2026	07/24/2026
CHOSY JAMES L	SELL	-22,968	$63.28	07/23/2026	07/24/2026
CHOSY JAMES L	SELL	-3,969	Not reported	07/21/2026	07/22/2026
Philipson Stephen L	SELL	-36,906	$63.08	07/20/2026	07/22/2026
Dilip Venkatachari	SELL	-34,522	$55.52	05/05/2026	05/06/2026
BAXTER WARNER L	BUY	+3,355	Not reported	04/23/2026	04/27/2026
Bridges Dorothy J	BUY	+3,355	Not reported	04/23/2026	04/27/2026
Buse Elizabeth	BUY	+3,355	Not reported	04/23/2026	04/27/2026
Colberg Alan B.	BUY	+3,355	Not reported	04/23/2026	04/27/2026
Ellison-Taylor Kimberly N	BUY	+3,355	Not reported	04/23/2026	04/27/2026
Gillani Aleem	BUY	+3,355	Not reported	04/23/2026	04/27/2026
Mehdi Yusuf I	BUY	+3,355	Not reported	04/23/2026	04/27/2026
Reynolds Loretta E	BUY	+3,355	Not reported	04/23/2026	04/27/2026
WIEHOFF JOHN	BUY	+3,355	Not reported	04/23/2026	04/27/2026
HERNANDEZ ROLAND A	BUY	+3,355	Not reported	04/23/2026	04/27/2026
HERNANDEZ ROLAND A	BUY	+3,885	Not reported	04/23/2026	04/27/2026
McKenney Richard P	BUY	+3,355	Not reported	04/23/2026	04/27/2026
McKenney Richard P	BUY	+2,560	Not reported	04/23/2026	04/27/2026
Richard Jodi L	SELL	-40,000	$57.00	04/21/2026	04/22/2026
Roy Arijit	BUY	+2,175	Not reported	03/06/2026	03/09/2026

About the Company

U.S. Bancorp

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.

Source - link

Peers

BCS CM DB HDB ING ITUB LYG MFG PNC TFC

Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

Latest news

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Can USB Turn Its Business Banking Expansion Into Sustainable Growth?

U.S. Bancorp USB is expanding its business banking presence across the United States, adding bankers in Florida, Georgia, Texas and Arizona. The move marks its entry into business banking in Florida and Georgia while deepening its presence in Texas and Arizona.

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Major Bank CEO Liquidates Over $1.7 Million Worth of Stock

Kedia exercised vested stock options at $55.01 per share and immediately sold them at $62.37, retaining a direct stake of 426,262 shares worth approximately $26.6 million.

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KRE bundles roughly 140 regional banks into one tidy package, but that diversification comes at a quiet cost to dividend growth and total return that most income investors never stop to measure.

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USB or NTRS: Which Is the Better Value Stock Right Now?

Investors with an interest in Banks - Major Regional stocks have likely encountered both U.S. Bancorp (USB) and Northern Trust Corporation (NTRS). But which of these two companies is the best option for those looking for undervalued stocks?

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Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-16	1.14	1.18	0.04
2026-01-20	1.19	1.26	0.07
2025-10-16	1.13	1.22	0.09
2025-07-17	1.07	1.11	0.04
2025-04-16	0.979	1.03	0.051
2025-01-16	1.04	1.07	0.03
2024-10-16	0.99	1.03	0.04
2024-07-17	0.94	0.98	0.04
2024-04-17	0.88	0.9	0.02
2024-01-17	0.99	0.99	0
2023-10-18	1.02	1.05	0.03
2023-07-19	1.13	1.12	-0.01