US Bancorp (USB) Stock Analysis

USB- NYSE (USA) Also traded in: Argentina, Brazil, Germany, Mexico
US Bancorp

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$52.2

0.05(0.1%) Volume: 3,773,201 8:08PM EST

Avg Vol (1m): 8,105,135

Warning! GuruFocus has detected 2 Severe Warning Signs with USB. Click here to check it out.

Market Cap	88.72 B	P/E(ttm)	16.16
Enterprise Value	124.87 B	P/B	2.11

$52.2 (1y: +21%)

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Also traded in: Argentina, Brazil, Germany, Mexico

Financial Strength : 5/10

		vs industry	vs history
Cash to Debt	0.44	USB's Cash to Debt is ranked lower than 76% of the 1649 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.00 vs. USB: 0.44 ) Ranked among companies with meaningful Cash to Debt only.	USB' s Cash to Debt Range Over the Past 10 Years Min: 0.07 Med: 0.19 Max: 0.61 Current: 0.44 0.07 - 0.61
Equity to Asset	0.11	USB's Equity to Asset is ranked higher than 57% of the 1663 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.10 vs. USB: 0.11 ) Ranked among companies with meaningful Equity to Asset only.	USB' s Equity to Asset Range Over the Past 10 Years Min: 0.08 Med: 0.1 Max: 0.11 Current: 0.11 0.08 - 0.11
Interest Coverage	5.21	USB's Interest Coverage is ranked higher than 81% of the 1580 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.69 vs. USB: 5.21 ) Ranked among companies with meaningful Interest Coverage only.	USB' s Interest Coverage Range Over the Past 10 Years Min: 0.87 Med: 2.13 Max: 5.73 Current: 5.21 0.87 - 5.73

F-Score: 3
M-Score: -2.47
WACC vs ROIC	5.98% 6.56% WACC ROIC

Profitability & Growth : 6/10

		vs industry	vs history
Operating margin (%)	38.84	USB's Operating margin (%) is ranked higher than 68% of the 1678 Companies in the Global Banks - Regional - US industry. ( Industry Median: 30.65 vs. USB: 38.84 ) Ranked among companies with meaningful Operating margin (%) only.	USB' s Operating margin (%) Range Over the Past 10 Years Min: 15.98 Med: 39.24 Max: 50.51 Current: 38.84 15.98 - 50.51
Net-margin (%)	28.19	USB's Net-margin (%) is ranked higher than 67% of the 1676 Companies in the Global Banks - Regional - US industry. ( Industry Median: 22.22 vs. USB: 28.19 ) Ranked among companies with meaningful Net-margin (%) only.	USB' s Net-margin (%) Range Over the Past 10 Years Min: 13.39 Med: 28.7 Max: 34.97 Current: 28.19 13.39 - 34.97
ROE (%)	12.02	USB's ROE (%) is ranked higher than 72% of the 1676 Companies in the Global Banks - Regional - US industry. ( Industry Median: 8.42 vs. USB: 12.02 ) Ranked among companies with meaningful ROE (%) only.	USB' s ROE (%) Range Over the Past 10 Years Min: 6.9 Med: 13.53 Max: 22.78 Current: 12.02 6.9 - 22.78
ROA (%)	1.36	USB's ROA (%) is ranked higher than 76% of the 1684 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.89 vs. USB: 1.36 ) Ranked among companies with meaningful ROA (%) only.	USB' s ROA (%) Range Over the Past 10 Years Min: 0.81 Med: 1.52 Max: 2.22 Current: 1.36 0.81 - 2.22
Revenue Growth (3Y)(%)	2.30	USB's Revenue Growth (3Y)(%) is ranked lower than 55% of the 1374 Companies in the Global Banks - Regional - US industry. ( Industry Median: 3.20 vs. USB: 2.30 ) Ranked among companies with meaningful Revenue Growth (3Y)(%) only.	USB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years Min: -8.8 Med: 5.3 Max: 76.1 Current: 2.3 -8.8 - 76.1
EBITDA Growth (3Y)(%)	3.20	USB's EBITDA Growth (3Y)(%) is ranked lower than 59% of the 1255 Companies in the Global Banks - Regional - US industry. ( Industry Median: 5.90 vs. USB: 3.20 ) Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.	USB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years Min: -25 Med: 9.1 Max: 82.4 Current: 3.2 -25 - 82.4
EPS Growth (3Y)(%)	3.60	USB's EPS Growth (3Y)(%) is ranked lower than 61% of the 1232 Companies in the Global Banks - Regional - US industry. ( Industry Median: 7.20 vs. USB: 3.60 ) Ranked among companies with meaningful EPS Growth (3Y)(%) only.	USB' s EPS Growth (3Y)(%) Range Over the Past 10 Years Min: -28.1 Med: 8.6 Max: 43.1 Current: 3.6 -28.1 - 43.1

» USB's 10-Y Financials

Financials (Next Earnings Date: 2017-01-18)

Revenue & Net Income

Equity & Asset

Oprt. Cash Flow & Free Cash Flow

Oprt. Cash Flow & Net Income

» USB's Warning Signs

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Preferred stocks of US Bancorp

Symbol	Price	Yield	Description
USBPRA	876.00	4.06	Shs Repr 1/1000th Non-Cum Perp Pfd Sh Series -A-
USBPRH	22.25	4.00	Shs Repr 1/1000th Non-Cum Perpetual Pfd Shs Series -B-
USBPRO	24.47	5.26	Shs Repr 1/1000th Non-Cum Perp Pfd Shs Series H
USBPRM	28.86	5.63	Shs Repr 1/1000th Non Cum Perp Pfd Shs Series-F
USBPRN	25.57	5.87	Shs Repr 1/1000 Non-Cum Perp Pfd Sh Series -G-

Business Description

Industry:	Banks » Banks - Regional - US NAICS: 522110 SIC: 6021
Compare:	NYSE:PNC, NYSE:BBT, NYSE:STI, OTCPK:NUBK, NYSE:MTB, NAS:FITB, NYSE:KEY, NYSE:CFG, NYSE:RF, NAS:HBAN, NYSE:FRC, NYSE:CMA, NAS:SIVB, NAS:ZION, NYSE:CIT, NAS:SBNY, NAS:PACW, NAS:OZRK, NAS:CBSH, NYSE:CFR » details
Traded in other countries:	USB.Argentina, USBC34.Brazil, UB5.Germany, USB.Mexico,

U.S. Bancorp is a multi-state financial holding company. It provides financial services through its subsidiaries, including lending and depository services, cash management, foreign exchange and trust and investment management services.

US Bancorp was incorporated in Delaware in 1929. It is a multi-state financial services holding company headquartered in Minneapolis, Minnesota. It provides financial services, including lending and depository services, cash management, foreign exchange and trust and investment management services. It also engaged in credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage and leasing. It provides its banking and investment services through a network of 3,133 banking offices mainly operating in the Midwest and West regions of the United States. It operates a network of 4,936 ATMs and provides 24-hour, seven day a week telephone customer service. Lending products may be originated through banking offices, indirect correspondents, brokers and other lending sources. It provides Visa corporate and purchasing card services and corporate trust services in the United States. It also provides corporate trust and fund administration services in Europe. It competes with other commercial banks and with other financial institutions, including savings & loan associations, mutual savings banks, finance companies, mortgage banking companies, credit unions and investment companies. As a registered bank holding company & financial holding company under the Bank Holding Company Act, US, its business is subject to the supervision of and regulation by, the Board of Governors of the Federal Reserve System.

Ratios

		vs industry	vs history
P/E(ttm)	16.16	USB's P/E(ttm) is ranked lower than 58% of the 1541 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.36 vs. USB: 16.16 ) Ranked among companies with meaningful P/E(ttm) only.	USB' s P/E(ttm) Range Over the Past 10 Years Min: 6.53 Med: 13.28 Max: 30.8 Current: 16.16 6.53 - 30.8
Forward P/E	15.11	USB's Forward P/E is ranked higher than 53% of the 365 Companies in the Global Banks - Regional - US industry. ( Industry Median: 15.70 vs. USB: 15.11 ) Ranked among companies with meaningful Forward P/E only.	N/A
PE(NRI)	16.16	USB's PE(NRI) is ranked lower than 57% of the 1538 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.45 vs. USB: 16.16 ) Ranked among companies with meaningful PE(NRI) only.	USB' s PE(NRI) Range Over the Past 10 Years Min: 6.53 Med: 13.28 Max: 30.8 Current: 16.16 6.53 - 30.8
Price/Owner Earnings (ttm)	59.52	USB's Price/Owner Earnings (ttm) is ranked lower than 93% of the 892 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.95 vs. USB: 59.52 ) Ranked among companies with meaningful Price/Owner Earnings (ttm) only.	USB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years Min: 6.64 Med: 14.14 Max: 59.52 Current: 59.52 6.64 - 59.52
P/B	2.11	USB's P/B is ranked lower than 86% of the 1655 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.15 vs. USB: 2.11 ) Ranked among companies with meaningful P/B only.	USB' s P/B Range Over the Past 10 Years Min: 0.8 Med: 1.92 Max: 3.58 Current: 2.11 0.8 - 3.58
P/S	4.35	USB's P/S is ranked lower than 67% of the 1634 Companies in the Global Banks - Regional - US industry. ( Industry Median: 3.37 vs. USB: 4.35 ) Ranked among companies with meaningful P/S only.	USB' s P/S Range Over the Past 10 Years Min: 1.07 Med: 3.58 Max: 4.88 Current: 4.35 1.07 - 4.88
POCF	15.84	USB's POCF is ranked lower than 67% of the 923 Companies in the Global Banks - Regional - US industry. ( Industry Median: 10.91 vs. USB: 15.84 ) Ranked among companies with meaningful POCF only.	USB' s POCF Range Over the Past 10 Years Min: 2.58 Med: 9.59 Max: 22.96 Current: 15.84 2.58 - 22.96
EV-to-EBIT	15.40	USB's EV-to-EBIT is ranked lower than 59% of the 1243 Companies in the Global Banks - Regional - US industry. ( Industry Median: 12.75 vs. USB: 15.40 ) Ranked among companies with meaningful EV-to-EBIT only.	USB' s EV-to-EBIT Range Over the Past 10 Years Min: 13.5 Med: 16.85 Max: 46.3 Current: 15.4 13.5 - 46.3
EV-to-EBITDA	14.54	USB's EV-to-EBITDA is ranked lower than 61% of the 1250 Companies in the Global Banks - Regional - US industry. ( Industry Median: 11.40 vs. USB: 14.54 ) Ranked among companies with meaningful EV-to-EBITDA only.	USB' s EV-to-EBITDA Range Over the Past 10 Years Min: 12.7 Med: 16.3 Max: 39.8 Current: 14.54 12.7 - 39.8
PEG	1.35	USB's PEG is ranked lower than 51% of the 760 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.31 vs. USB: 1.35 ) Ranked among companies with meaningful PEG only.	USB' s PEG Range Over the Past 10 Years Min: 0.46 Med: 1.01 Max: 21.96 Current: 1.35 0.46 - 21.96
Shiller P/E	20.09	USB's Shiller P/E is ranked higher than 56% of the 504 Companies in the Global Banks - Regional - US industry. ( Industry Median: 21.53 vs. USB: 20.09 ) Ranked among companies with meaningful Shiller P/E only.	USB' s Shiller P/E Range Over the Past 10 Years Min: 4.24 Med: 14.63 Max: 20.09 Current: 20.09 4.24 - 20.09

Dividend & Buy Back

		vs industry	vs history
Dividend Yield	2.00	USB's Dividend Yield is ranked lower than 66% of the 2369 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.28 vs. USB: 2.00 ) Ranked among companies with meaningful Dividend Yield only.	USB' s Dividend Yield Range Over the Past 10 Years Min: 0.7 Med: 2.32 Max: 16.07 Current: 2 0.7 - 16.07
Dividend Payout	0.32	USB's Dividend Payout is ranked higher than 67% of the 1307 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.32 vs. USB: 0.32 ) Ranked among companies with meaningful Dividend Payout only.	USB' s Dividend Payout Range Over the Past 10 Years Min: 0.12 Med: 0.3 Max: 1.06 Current: 0.32 0.12 - 1.06
Dividend Growth (3y)	9.00	USB's Dividend Growth (3y) is ranked higher than 53% of the 739 Companies in the Global Banks - Regional - US industry. ( Industry Median: 8.10 vs. USB: 9.00 ) Ranked among companies with meaningful Dividend Growth (3y) only.	USB' s Dividend Growth (3y) Range Over the Past 10 Years Min: -50.3 Med: 16.8 Max: 64.2 Current: 9 -50.3 - 64.2
Forward Dividend Yield	2.15	USB's Forward Dividend Yield is ranked lower than 66% of the 2283 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.90 vs. USB: 2.15 ) Ranked among companies with meaningful Forward Dividend Yield only.	N/A
Yield on cost (5-Year)	8.58	USB's Yield on cost (5-Year) is ranked higher than 86% of the 2637 Companies in the Global Banks - Regional - US industry. ( Industry Median: 3.35 vs. USB: 8.58 ) Ranked among companies with meaningful Yield on cost (5-Year) only.	USB' s Yield on cost (5-Year) Range Over the Past 10 Years Min: 3 Med: 9.95 Max: 68.91 Current: 8.58 3 - 68.91
3-Year Average Share Buyback Ratio	2.30	USB's 3-Year Average Share Buyback Ratio is ranked higher than 92% of the 1064 Companies in the Global Banks - Regional - US industry. ( Industry Median: -2.00 vs. USB: 2.30 ) Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.	USB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years Min: -36.7 Med: 1 Max: 14.7 Current: 2.3 -36.7 - 14.7

Valuation & Return

		vs industry	vs history
Price/Tangible Book	2.97	USB's Price/Tangible Book is ranked lower than 93% of the 1647 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.22 vs. USB: 2.97 ) Ranked among companies with meaningful Price/Tangible Book only.	USB' s Price/Tangible Book Range Over the Past 10 Years Min: 1.74 Med: 4.22 Max: 31.77 Current: 2.97 1.74 - 31.77
Price/Projected FCF	0.73	USB's Price/Projected FCF is ranked higher than 55% of the 915 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.78 vs. USB: 0.73 ) Ranked among companies with meaningful Price/Projected FCF only.	USB' s Price/Projected FCF Range Over the Past 10 Years Min: 0.07 Med: 0.7 Max: 1.75 Current: 0.73 0.07 - 1.75
Price/Median PS Value	1.22	USB's Price/Median PS Value is ranked lower than 59% of the 1508 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.14 vs. USB: 1.22 ) Ranked among companies with meaningful Price/Median PS Value only.	USB' s Price/Median PS Value Range Over the Past 10 Years Min: 0.46 Med: 1.02 Max: 3.6 Current: 1.22 0.46 - 3.6
Price/Peter Lynch Fair Value	3.03	USB's Price/Peter Lynch Fair Value is ranked lower than 93% of the 410 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.14 vs. USB: 3.03 ) Ranked among companies with meaningful Price/Peter Lynch Fair Value only.	USB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years Min: 0.41 Med: 1.04 Max: 3.56 Current: 3.03 0.41 - 3.56
Price/Graham Number	1.46	USB's Price/Graham Number is ranked lower than 81% of the 1450 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.94 vs. USB: 1.46 ) Ranked among companies with meaningful Price/Graham Number only.	USB' s Price/Graham Number Range Over the Past 10 Years Min: 1.05 Med: 1.64 Max: 5.01 Current: 1.46 1.05 - 5.01
Earnings Yield (Greenblatt) (%)	6.50	USB's Earnings Yield (Greenblatt) (%) is ranked higher than 55% of the 1649 Companies in the Global Banks - Regional - US industry. ( Industry Median: 5.60 vs. USB: 6.50 ) Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.	USB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years Min: 2.2 Med: 5.9 Max: 7.4 Current: 6.5 2.2 - 7.4
Forward Rate of Return (Yacktman) (%)	5.34	USB's Forward Rate of Return (Yacktman) (%) is ranked lower than 67% of the 892 Companies in the Global Banks - Regional - US industry. ( Industry Median: 11.27 vs. USB: 5.34 ) Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.	USB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years Min: -17.4 Med: 9.65 Max: 29.1 Current: 5.34 -17.4 - 29.1

More Statistics

Revenue (TTM) (Mil) $	20,878
EPS (TTM) $	3.23
Beta	0.85
Short Percentage of Float	1.32%
52-Week Range $	37.07 - 52.68
Shares Outstanding (Mil)	1,699.68

Analyst Estimate

	Dec16	Dec17	Dec18	Dec19
Revenue (Mil $)	21,108	22,048	22,920
EPS ($)	3.23	3.45	3.80	3.97
EPS w/o NRI ($)	3.23	3.45	3.80	3.97
EPS Growth Rate (3Y to 5Y Estimate)	5.80%
Dividends Per Share ($)	1.07	1.16	1.24

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Financial Strength : 5/10

Profitability & Growth : 6/10

Financials (Next Earnings Date: 2017-01-18)

Warning Signs

Guru Trades

USB Guru Trades in Q4 2015

USB Guru Trades in Q1 2016

USB Guru Trades in Q2 2016

USB Guru Trades in Q3 2016

Insider Trades

Latest Guru Trades with USB

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of US Bancorp

Business Description

Top Ranked Articles about US Bancorp

Ratios

Dividend & Buy Back

Valuation & Return

More Statistics

Analyst Estimate

Headlines

Personalized Checklist

Value Screens

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Strategies

Market Valuation

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Financial Strength : 5/10

Profitability & Growth : 6/10

Financials .earnings_date { color: #000000; font-size: 12px; font-weight: normal; } (Next Earnings Date: 2017-01-18)

Warning Signs

Guru Trades

USB Guru Trades in Q4 2015

USB Guru Trades in Q1 2016

USB Guru Trades in Q2 2016

USB Guru Trades in Q3 2016

Insider Trades

Latest Guru Trades with USB

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of US Bancorp

Business Description

Top Ranked Articles about US Bancorp

Ratios

Dividend & Buy Back

Valuation & Return

More Statistics

Analyst Estimate

Headlines

Personalized Checklist

Financials (Next Earnings Date: 2017-01-18)