USB
BULLISH
$56.37
Live
U.S. Bancorp · NYSE
Target $61.9
(+9.8%)
$37.24
52W Range
$61.19
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 16, 2026
Market cap
$87.58B
P/E
12.2
ROE
12.2%
Profit margin
28.7%
Debt/Equity
N/A
Dividend yield
3.67%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
U.S. Bancorp presents a strong value opportunity, trading below its Graham Number of $62.47 and significantly below its growth-based intrinsic value of $136.29. While the Piotroski F-Score of 4/9 indicates only stable financial health, the company exhibits robust earnings growth of 24.7% YoY and a sustainable dividend profile. Despite a very bearish technical trend (10/100) and minimal insider buying, the low P/E ratio of 12.20 and consistent recent earnings beats support a bullish long-term outlook.
Key Strengths
Trading below Graham Number ($62.47) and Intrinsic Value ($136.29)
Strong earnings growth (24.7% YoY) and recent quarterly beats (3/4)
Attractive valuation with a Forward P/E of 10.07
Sustainable dividend yield of 3.67% with a conservative payout ratio of 44.16%
Solid profitability with an ROE of 12.18% and Operating Margin of 39.33%
Key Risks
Severely bearish technical trend (10/100) suggesting strong short-term selling pressure
Lack of insider confidence (30/100 sentiment, net selling)
Mediocre Piotroski F-Score (4/9) indicating room for improvement in financial health
Modest revenue growth (5.3%) compared to high earnings growth, suggesting growth is driven by cost-cutting or margins rather than expansion
Regional banking sector volatility and sensitivity to interest rate shifts
AI Fair Value Estimate
Based on comprehensive analysis
$63.5
+12.6% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
70
Strong
85
70
65
50
80
AI Verdict
Undervalued Value Play
Key drivers: Low P/E relative to earnings growth, Strong dividend sustainability, Significant discount to Graham Number
Confidence
80%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 12.20 is low
- Price is below Graham Number of $62.47
- P/B of 1.50 is reasonable for a top-tier regional bank
Watchpoints
- PEG ratio of 1.96 suggests growth is not entirely cheap
Future
70/100
Ref Growth rates
Positives
- High YoY Earnings Growth (24.7%)
- Positive analyst target price ($61.90)
Watchpoints
- Slow revenue growth (5.3%)
Past
65/100
Ref Historical trends
Positives
- Strong recovery in earnings surprises over the last 4 quarters
Watchpoints
- Significant earnings misses in 2023 and early 2024
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Stable Piotroski score (4/9)
Watchpoints
- Piotroski score is not in the 'Strong' range (7-9)
Dividend
80/100
Ref Yield, Payout
Positives
- Healthy 3.67% yield
- Low payout ratio (44.16%) ensures safety
Watchpoints
No urgent risks highlighted.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$56.37
Analyst Target
$61.9
Upside/Downside
+9.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for USB and closest competitors.
Updated 2026-04-15
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
USB
U.S. Bancorp
Primary
|
+21.0% | +82.1% | +52.1% | +23.8% | +11.3% | +1.8% |
|
MCO
Moody's Corporation
Peer
|
+81.5% | +64.7% | +0.2% | -1.8% | +0.2% | -1.7% |
|
ICE
Intercontinental Exchange, Inc.
Peer
|
+62.6% | +50.6% | -1.7% | -13.2% | -3.4% | +2.1% |
|
MMC
Marsh & McLennan Companies, Inc.
Peer
|
+70.2% | +16.8% | -16.1% | -20.3% | -10.3% | +1.5% |
|
KKR
KKR & Co. Inc.
Peer
|
+90.0% | +80.5% | -21.7% | -27.9% | +1.2% | +3.1% |
USB
U.S. Bancorp
Primary
5Y
+21.0%
3Y
+82.1%
1Y
+52.1%
6M
+23.8%
1M
+11.3%
1W
+1.8%
MCO
Moody's Corporation
Peer
5Y
+81.5%
3Y
+64.7%
1Y
+0.2%
6M
-1.8%
1M
+0.2%
1W
-1.7%
ICE
Intercontinental Exchange, Inc.
Peer
5Y
+62.6%
3Y
+50.6%
1Y
-1.7%
6M
-13.2%
1M
-3.4%
1W
+2.1%
MMC
Marsh & McLennan Companies, Inc.
Peer
5Y
+70.2%
3Y
+16.8%
1Y
-16.1%
6M
-20.3%
1M
-10.3%
1W
+1.5%
KKR
KKR & Co. Inc.
Peer
5Y
+90.0%
3Y
+80.5%
1Y
-21.7%
6M
-27.9%
1M
+1.2%
1W
+3.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.2
Forward P/E
10.07
PEG Ratio
1.96
P/B Ratio
1.5
P/S Ratio
3.32
EV/Revenue
4.82
EV/EBITDA
N/A
Market Cap
$87.58B
Profitability
Profit margins and return metrics
Profit Margin
28.72%
Operating Margin
39.33%
Gross Margin
N/A
ROE
12.18%
ROA
1.11%
Growth
Revenue and earnings growth rates
Revenue Growth
+5.3%
Earnings Growth
+24.7%
Q/Q Revenue Growth
+5.13%
Q/Q Earnings Growth
+23.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$32.53
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$7.3B
Net Margin
27.9%
Total Assets
$692.3B
Liabilities
$626.7B
Equity
$65.2B
Debt/Equity
9.61x
Operating CF
$2.8B
Free Cash Flow
$2.8B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-16
$N/A
2026-01-20
$1.26
+6.0% surprise
2025-10-16
$1.22
+9.0% surprise
2025-07-17
$1.11
+4.1% surprise
Financial Services Sector Comparison
Comparing USB against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
12.2
This Stock
vs
36.01
Sector Avg
-66.1%
(Discount)
Return on Equity (ROE)
12.18%
This Stock
vs
-0.73%
Sector Avg
-1762.8%
(Below Avg)
Profit Margin
28.72%
This Stock
vs
91.62%
Sector Avg
-68.6%
(Weaker)
Revenue Growth
5.3%
This Stock
vs
35.27%
Sector Avg
-85.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
USB
U.S. Bancorp
|
BULLISH | $87.58B | 12.2 | 12.2% | 28.7% | $56.37 | |
|
MCO
Moody's Corporation
|
BULLISH | $87.55B | 38.61 | 54.9% | 29.9% | $479.48 | Compare |
|
ICE
Intercontinental Exchange, Inc.
|
BULLISH | $87.07B | 27.7 | 11.5% | 32.4% | $152.07 | Compare |
|
MMC
Marsh & McLennan Companies, Inc.
|
NEUTRAL | $90.07B | 21.92 | 28.7% | 15.6% | $182.81 | Compare |
|
KKR
KKR & Co. Inc.
|
BEARISH | $84.89B | 39.17 | 8.6% | 9.2% | $91.66 | Compare |
USB
U.S. Bancorp
BULLISH
Mkt Cap
$87.6B
P/E
12.2
ROE
12.2%
Price
$56.37
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-05 | RUNKEL MARK G | Officer | Stock Award | 13,356 | - |
| 2026-03-05 | KEDIA GUNJAN | Chief Executive Officer | Stock Award | 100,167 | - |
| 2026-03-05 | RICHARD JODI L | Officer | Stock Award | 29,679 | - |
| 2026-03-05 | STARK LISA R | Officer | Stock Award | 15,767 | - |
| 2026-03-05 | BARCELOS ELCIO R.T. | Officer | Stock Award | 22,259 | - |
| 2026-03-05 | BADRAN SOUHEIL | Chief Operating Officer | Stock Award | 19,291 | - |
| 2026-03-05 | STERN JOHN C. | Chief Financial Officer | Stock Award | 25,227 | - |
| 2026-03-05 | DILIP VENKATACHARI | Chief Technology Officer | Stock Award | 17,807 | - |
| 2026-03-05 | PHILIPSON STEPHEN L. | Officer | Stock Award | 28,195 | - |
| 2026-03-05 | KELSO COURTNEY | Officer | Stock Award | 13,356 | - |
| 2026-03-05 | ROY ARIJIT | Officer | Stock Award | 13,356 | - |
| 2026-03-05 | CHOSY JAMES L | General Counsel | Stock Award | 22,259 | - |
| 2026-02-11 | RUNKEL MARK G | Officer | Stock Award | 19,099 | - |
| 2026-02-11 | KEDIA GUNJAN | Chief Executive Officer | Stock Award | 51,423 | - |
| 2026-02-11 | RICHARD JODI L | Officer | Stock Award | 41,138 | - |
RUNKEL MARK G
Officer
2026-03-05
13,356 shares
KEDIA GUNJAN
Chief Executive Officer
2026-03-05
100,167 shares
RICHARD JODI L
Officer
2026-03-05
29,679 shares
STARK LISA R
Officer
2026-03-05
15,767 shares
BARCELOS ELCIO R.T.
Officer
2026-03-05
22,259 shares
BADRAN SOUHEIL
Chief Operating Officer
2026-03-05
19,291 shares
STERN JOHN C.
Chief Financial Officer
2026-03-05
25,227 shares
DILIP VENKATACHARI
Chief Technology Officer
2026-03-05
17,807 shares
PHILIPSON STEPHEN L.
Officer
2026-03-05
28,195 shares
KELSO COURTNEY
Officer
2026-03-05
13,356 shares
ROY ARIJIT
Officer
2026-03-05
13,356 shares
CHOSY JAMES L
General Counsel
2026-03-05
22,259 shares
RUNKEL MARK G
Officer
2026-02-11
19,099 shares
KEDIA GUNJAN
Chief Executive Officer
2026-02-11
51,423 shares
RICHARD JODI L
Officer
2026-02-11
41,138 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
20 analysts
JP Morgan
2026-04-07
Underweight
Underweight
Evercore ISI Group
2026-04-06
In-Line
In-Line
Morgan Stanley
2026-03-31
Equal-Weight
Equal-Weight
Oppenheimer
2026-03-27
Outperform
Outperform
Jefferies
2026-03-26
Hold
Truist Securities
2026-02-26
Hold
Buy
JP Morgan
2026-02-09
Underweight
Underweight
Evercore ISI Group
2026-02-05
In-Line
In-Line
Argus Research
2026-01-22
Buy
Buy
TD Cowen
2026-01-21
Buy
Buy
Past News Coverage
Recent headlines mentioning USB from our newsroom.
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No matching news yet.