A Business at a Glance
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Forward-Looking Statements The following information appears in accordance with the Private Securities Litigation Reform Act of 1995: This report contains forward-looking statements about U. S. Bancorp (“ U. S. Bancorp” or the “ Company”). Statements that are not historical or current facts, including statements about beliefs and expectations, are forward-looking statements and are based on the information available to, and assumptions and estimates made by, management as of the date hereof. These forward-looking statements cover, among other things, future economic conditions and the anticipated future revenue, expenses, financial condition, asset quality, capital and liquidity levels, plans, prospects, targets, initiatives and operations of U. S. Bancorp.
| Segment | 2021 | 2022 | 2023 | 2024 | 2025 | % of Total |
|---|---|---|---|---|---|---|
Operating Segments | — | — | $11.96B | $12.15B | $12.08B | 100% |
Wealth, Corporate, Commercial and Institutional Banking | — | $9.24B | $12.00B | $12.19B | — | — |
Treasury and Corporate Support | $1.12B | $930M | $1.12B | $-1031M | — | — |
Payment Services | — | $6.30B | $6.76B | $7.03B | — | — |
Consumer and Business Banking | $8.58B | $8.80B | $10.36B | $9.26B | — | — |
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 42.9B | 42.9B | 42.7B | 40.6B | 27.4B | 23.7B |
| Net Income | 7.2B | 7.2B | 5.9B | 5.1B | 5.5B | 7.6B |
| EPS | $4.62 | $4.62 | $3.79 | $3.27 | $3.69 | $5.10 |
| Free Cash Flow | 8.0B | 8.0B | 11.3B | 8.4B | 21.1B | 9.9B |
| ROIC | 5.7% | 5.9% | 5.1% | 4.7% | 6.1% | 8.7% |
| Gross Margin | 71.2% | 71.2% | 67.4% | 72.8% | 81.0% | 90.9% |
| Debt/Equity | 1.20 | 1.20 | 1.26 | 1.21 | 1.40 | 0.80 |
| Dividends/Share | $2.03 | $2.04 | $1.98 | $1.93 | $1.88 | $1.76 |
| Operating Income | 836M | 836M | 641M | 758M | 7.3B | 721M |
| Operating Margin | 2.0% | 2.0% | 1.5% | 1.9% | 26.6% | 3.0% |
| ROE | 11.0% | 11.6% | 10.1% | 9.1% | 10.8% | 13.8% |
| Shares Outstanding | 1,557M | 1,557M | 1,559M | 1,545M | 1,491M | 1,491M |
US BANCORP \DE\ passes 5 of 9 quality checks, suggesting mixed fundamentals.
US BANCORP \DE\ trades at 12.2x trailing earnings, compared to its 15-year median P/E of 11.3x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 11.0x vs a median of 8.8x. The company's 5-year average ROIC is 6.1% with a gross margin of 76.7%. Total shareholder yield (dividends + buybacks) is 4.2%. At current prices, the estimated annualized return to fair value is +11.2%.
US BANCORP \DE\ (USB) has a current P/E ratio of 12.2, compared to its historical median P/E of 11.3. The stock is currently considered Fair based on its historical valuation range.
US BANCORP \DE\ (USB) has a 5-year average return on invested capital (ROIC) of 6.1%. This is below average and may indicate limited pricing power.
US BANCORP \DE\ (USB) has a market capitalization of $88.0B. It is classified as a large-cap stock.
Yes, US BANCORP \DE\ (USB) pays a dividend with a trailing twelve-month yield of 3.60%. The company also returns capital through share buybacks, with a buyback yield of 0.56%.
Based on historical P/E analysis, US BANCORP \DE\ (USB) appears fair. The current P/E of 12.2 is 8% above its historical median of 11.3. The estimated fair value CAGR (P/E method) is -0.1%.
US BANCORP \DE\ (USB) operates in the National Commercial Banks industry, within the Financials sector.
US BANCORP \DE\ (USB) reported annual revenue of $42.9 billion in its most recent fiscal year, based on SEC EDGAR filings.
US BANCORP \DE\ (USB) has a net profit margin of 16.8%. This is a healthy margin.
US BANCORP \DE\ (USB) generated $8.0 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
US BANCORP \DE\ (USB) has a debt-to-equity ratio of 1.20. This indicates moderate leverage.
US BANCORP \DE\ (USB) reported earnings per share (EPS) of $4.62 in its most recent fiscal year.
US BANCORP \DE\ (USB) has a return on equity (ROE) of 11.6%. This indicates moderate shareholder returns.
US BANCORP \DE\ (USB) has a 5-year average gross margin of 76.7%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 19 years of financial data for US BANCORP \DE\ (USB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
US BANCORP \DE\ (USB) has a book value per share of $41.87, based on its most recent annual SEC filing.
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