image
Financial Services - Banks - Regional - NYSE - US
$ 43.68
-0.501 %
$ 68.1 B
Market Cap
10.81
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one USB stock under the worst case scenario is HIDDEN Compared to the current market price of 43.7 USD, U.S. Bancorp is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one USB stock under the base case scenario is HIDDEN Compared to the current market price of 43.7 USD, U.S. Bancorp is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one USB stock under the best case scenario is HIDDEN Compared to the current market price of 43.7 USD, U.S. Bancorp is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart USB

image
$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
42.7 B REVENUE
52.47%
7.91 B OPERATING INCOME
0.80%
6.3 B NET INCOME
16.03%
11.3 B OPERATING CASH FLOW
33.46%
-24.5 B INVESTING CASH FLOW
-129.64%
8.57 B FINANCING CASH FLOW
143.46%
10.4 B REVENUE
-2.93%
2.16 B OPERATING INCOME
2.42%
1.66 B NET INCOME
-2.98%
4.77 B OPERATING CASH FLOW
390.33%
-12.9 B INVESTING CASH FLOW
-793.77%
-8.95 B FINANCING CASH FLOW
-174.28%
Balance Sheet U.S. Bancorp
image
Current Assets 151 B
Cash & Short-Term Investments 143 B
Receivables 8.27 B
Other Current Assets 0
Non-Current Assets 527 B
Long-Term Investments 452 B
PP&E 3.56 B
Other Non-Current Assets 71.5 B
21.06 %66.65 %10.55 %Total Assets$678.3b
Current Liabilities 534 B
Accounts Payable 0
Short-Term Debt 15.5 B
Other Current Liabilities 518 B
Non-Current Liabilities 85.5 B
Long-Term Debt 58 B
Other Non-Current Liabilities 27.4 B
83.70 %9.37 %4.43 %Total Liabilities$619.3b
EFFICIENCY
Earnings Waterfall U.S. Bancorp
image
Revenue 42.7 B
Cost Of Revenue 17.6 B
Gross Profit 25.1 B
Operating Expenses 17.2 B
Operating Income 7.91 B
Other Expenses 1.61 B
Net Income 6.3 B
45b45b40b40b35b35b30b30b25b25b20b20b15b15b10b10b5b5b0043b(18b)25b(17b)8b(2b)6bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
58.76% GROSS MARGIN
58.76%
18.52% OPERATING MARGIN
18.52%
14.75% NET MARGIN
14.75%
10.75% ROE
10.75%
0.93% ROA
0.93%
3.96% ROIC
3.96%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis U.S. Bancorp
image
25b25b20b20b15b15b10b10b5b5b0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 6.3 B
Depreciation & Amortization 939 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others 4.04 B
Free Cash Flow 11.3 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets U.S. Bancorp
image
Wall Street analysts predict an average 1-year price target for USB of $52.5 , with forecasts ranging from a low of $42 to a high of $60 .
USB Lowest Price Target Wall Street Target
42 USD -3.85%
USB Average Price Target Wall Street Target
52.5 USD 20.12%
USB Highest Price Target Wall Street Target
60 USD 37.36%
Price
Max Price Target
Min Price Target
Average Price Target
606055555050454540403535Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
1.18% DIVIDEND YIELD
0.5 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.0002.0001.8001.8001.6001.6001.4001.4001.2001.2001.0001.0000.8000.8000.6000.6000.4000.4000.2000.2000.0000.0000.2450.2550.280.30.370.420.420.460.480.490.50.2550.2550.280.30.370.420.420.460.480.490.2550.280.30.370.420.420.460.480.480.50.2551.010.281.070.31.160.371.340.421.580.421.680.461.760.481.880.491.930.51.980.502015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 10
6. Ownership
Insider Ownership U.S. Bancorp
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
10.6 M USD 6
6-9 MONTHS
2.97 M USD 2
9-12 MONTHS
0 USD 0
Bought
187 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
450 K USD 1
9-12 MONTHS
7. News
U.S. Bancorp (USB) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does U.S. Bancorp (USB) have what it takes? zacks.com - 2 weeks ago
US Bancorp: Improving Fundamentals With Reasonable Valuations US Bancorp's stable asset quality, improving efficiency ratios as well as lucrative valuation support a Buy rating on the stock. Recent quarterly results show good growth, better asset quality, and positive operating leverage despite a challenging macroeconomic environment. Valuation remains attractive at 1.2x P/B with ROE upside potential as management targets higher efficiency and ROE in the coming years. seekingalpha.com - 2 weeks ago
Temperature Data Logger (USB, Bluetooth, Wireless) Market - Global Forecast to 2030: Demand for Temperature Monitoring Grows in Food & Beverage Sector Amid Safety Regulations The global temperature data logger market is forecasted to expand from USD 529.0 million in 2025 to USD 701.1 million in 2030, driven by a 5.8% CAGR, amid rising demand for precise, real-time temperature monitoring across pharmaceuticals, food & beverage, chemicals, and logistics sectors. Regulatory demands by bodies like the FDA and EU Good Distribution Practices enhance market growth, notably within cold chain logistics for vaccines. Standalone segment gains traction due to simplicity and cost-effectiveness, crucial in environmental and industrial settings. The US is set to lead the market, bolstered by industrial infrastructure and strict regulatory frameworks. The global temperature data logger market is forecasted to expand from USD 529.0 million in 2025 to USD 701.1 million in 2030, driven by a 5.8% CAGR, amid rising demand for precise, real-time temperature monitoring across pharmaceuticals, food & beverage, chemicals, and logistics sectors. Regulatory demands by bodies like the FDA and EU Good Distribution Practices enhance market growth, notably within cold chain logistics for vaccines. Standalone segment gains traction due to simplicity and cost-effectiveness, crucial in environmental and industrial settings. The US is set to lead the market, bolstered by industrial infrastructure and strict regulatory frameworks. globenewswire.com - 2 weeks ago
U.S. Bancorp to speak at the Morgan Stanley US Financials Conference MINNEAPOLIS--(BUSINESS WIRE)--U.S. Bancorp to speak at the Morgan Stanley US Financials Conference. businesswire.com - 2 weeks ago
Polar Cooling Portable AC Launches as Energy-Efficient, USB-Powered Air Cooler for Personal Climate Comfort in 2025 This Summer's Must-Have USB Air Cooler Offers 3-in-1 Personal Comfort with Evaporative Cooling, Humidifying, and Air Purifying — No Installation Required This Summer's Must-Have USB Air Cooler Offers 3-in-1 Personal Comfort with Evaporative Cooling, Humidifying, and Air Purifying — No Installation Required globenewswire.com - 3 weeks ago
Buy 9 Barron's Better Bets (Than T-Bills) From 16 'Safer' May Dividend Dogs Long-term bond yields continue to rise. But investors looking for income can still find plenty of attractive opportunities with dividend-paying stocks that have healthy yields. “23 stocks pay huge dividends. They should be a better bet than treasuries.” —Barron's Weekly. Interviewed by Barron's, Steven Wieting, strategist at Citi-Wealth, noted that growing dividends are tangible benefits for shareholders and hallmarks of companies with strong balance sheets. “Nobody can fake a dividend,” he said. seekingalpha.com - 4 weeks ago
Gonzaga University and U.S. Bank Expand Partnership With a New Debit Card Design SPOKANE, Wash.--(BUSINESS WIRE)--Gonzaga University supporters can now show their school pride with the new U.S. Bank Visa® Debit Card with the Gonzaga University design from U.S. Bank. The card was launched on May 11, 2025, and features College Hall, the campus' oldest building. Opened in 2006, the U.S. Bank branch and ATM is located inside Gonzaga's John J. Hemmingson Center at 702 E Desmet Ave. Generously supporting the Gonzaga community, U.S. Bank provides $75,000 each year to Gonzaga's gen. businesswire.com - 4 weeks ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does U.S. Bancorp (USB) have what it takes? zacks.com - 1 month ago
Why Is U.S. Bancorp (USB) Up 16.7% Since Last Earnings Report? U.S. Bancorp (USB) reported earnings 30 days ago. What's next for the stock? zacks.com - 1 month ago
U.S. Bancorp Preferred Shares Downgrade On Interest Rate Risk (Downgrade To Hold) U.S. Bancorp's Series A preferred shares are downgraded to a hold, due to interest rate uncertainty and potential dividend reductions if rates fall. The bank's net interest income fell by over $50 million in Q1, despite a slight benefit from reduced interest rates. U.S. Bancorp saw loan growth for the second consecutive quarter but faced declining deposits, increasing reliance on external borrowing. seekingalpha.com - 1 month ago
Elavon Offers Innovative One-Stop Payment Solution for Small and Medium-Sized Businesses WARSAW, Poland--(BUSINESS WIRE)--Elavon, one of the world's leading payment service providers, is launching its new payment gateway on the Polish market. The ''Elavon Payment Gateway'' service enables entrepreneurs to accept payments in shops, using POS terminals, and online, through an integrated payment gateway. Elavon is dedicated to driving digital transformation and to deliver multi-faceted solutions that combine all popular payment methods – from payment cards, through BLIK and Account-2-. businesswire.com - 1 month ago
Elavon and Jscrambler Partner to Strengthen PCI DSS Compliance for Merchants More Than 400 Merchants Within the Network Gain Access to Jscrambler's Leading Client-Side Protection for Skimming Prevention and Compliance MINNEAPOLIS and PORTO, Portugal , May 7, 2025 /PRNewswire/ -- Elavon, a global leader in payment processing, and Jscrambler, a pioneer in client-side protection and compliance, today announced a partnership to help merchants comply with PCI DSS requirements 6.4.3 and 11.6.1. Through this agreement, Elavon's network of more than 400 merchants can leverage Jscrambler's Client-Side Protection and Compliance Platform to safeguard their business from escalating web skimming attacks. prnewswire.com - 1 month ago
8. Profile Summary

U.S. Bancorp USB

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 68.1 B
Dividend Yield 1.18%
Description 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. It operates in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; lending services, such as traditional credit products; and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. In addition, the company offers investment and insurance products to its customers principally within its markets, as well as fund administration services to a range of mutual and other funds. Further, it provides corporate and purchasing card, and corporate trust services; and merchant processing services, as well as investment management, ATM processing, mortgage banking, insurance, and brokerage and leasing services. As of December 31, 2021, the company provided its products and services through a network of 2,230 banking offices principally operating in the Midwest and West regions of the United States, as well as through on-line services, over mobile devices, and other distribution channels; and operated a network of 4,059 ATMs. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota.
Contact 800 Nicollet Mall, Minneapolis, MN, 55402 https://www.usbank.com
IPO Date May 3, 1973
Employees 70000
Officers Mr. Souheil S. Badran Senior EVice President & Chief Operating Officer Ms. Jennifer Ann Thompson C.F.A. EVice President, Head of Corporate Finance and Director of Investor Relations & Economic Analysis Ms. Gunjan Kedia President, Chief Executive Officer & Director Mr. Adam Graves Senior EVice President and Head of Enterprise Strategy & Administration Mr. James L. Chosy Senior EVice President & General Counsel Mr. Andrew J. Cecere Executive Chairman Mr. John C. Stern Vice Chair & Chief Financial Officer Mr. David R. Palombi Executive Vice President & Chief Communications Officer Mr. Shailesh M. Kotwal Advisor Mr. Dilip Venkatachari Senior EVice President and Chief Information & Technology Officer