U.S. Bancorp

Valuation Analysis

About the Company

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 se

U.S. Bancorp Stock at a Glance

U.S. Bancorp (USB) is currently trading at $58.94 with a market capitalization of $91.8B. The trailing P/E ratio stands at 12.36x, with a forward P/E of 10.42x. The 52-week range spans from $42.55 to $61.19; the current price is 3.7% below the yearly high. Year-over-year revenue growth stands at +4.6%. The net profit margin stands at 29.29%.

💰 Dividend

U.S. Bancorp pays an annual dividend of $2.06 per share, representing a yield of 3.5%. The payout ratio stands at 43.19%.

📊 Analyst Rating

19 analysts rate U.S. Bancorp (USB) on consensus: Buy. The average price target is $63.50, implying +7.74% from the current price. Analyst price targets range from $57.50 to $74.00.

U.S. Bancorp: The Investment Case in Detail

U.S. Bancorp (USB) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

The Bear Case

Revenue growth has slowed to just 4.6%, which is below nominal GDP — the business is no longer outgrowing the broader economy.

What to Watch Next

• The forward P/E of 10.42x is meaningfully below the trailing 12.36x — analysts expect earnings to step up; the next earnings release is the test.
• The dividend yield near 3.5% combined with a payout ratio of 43.19% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to market-like volatility.

Trading Data

💵 Dividend Info

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