Us Bancorp \de\

Finance
Major Banks
www.usbank.com

Earnings Score
Moat Score

Market Cap $76.55B
PE 15
Debt $78.55B
Cash $73.56B
EV $81.53B
FCF -

Earnings

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Sales & Net Margins

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Earnings	$5.09B
EBIT	$6.80B
ROE	9%
ROA	1%
Equity	$59.32B
Growth Stability	72%
PE	15.03
PEG	-4.6
PB	1.29
P/S	2.81
Price/Cash	0.96
Debt/Equity	1.32
Net Margins	21%
Op. Margins	25%
Earnings CAGR	-1%
Sales Growth YoY	-2%
Sales Growth QoQ	-0%
Sales CAGR	1%
Equity CAGR	2%
Earnings Stability	0.04
Earnings Growth YoY	13%
Earnings Growth QoQ	5%

Earnings CAGR 5Y	-3%
Sales CAGR 5Y	-0%
Equity CAGR 5Y	1%
Earnings CAGR 3Y	-0%
Sales CAGR 3Y	-0%
Equity CAGR 3Y	5%
Market Cap	$76.55B
Revenue	$27.21B
Dividend Yield	4%
Payout Ratio	60%
Assets	$686.47B
Total Debt	$78.55B
Cash	$73.56B
Shares Outstanding	1.56B
EV	81.53B
Earnings Score	6%
Moat Score	66%
Shares Growth 3y	2%
Equity Growth QoQ	4%
Equity Growth YoY	11%

Assets & ROA

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Stockholders Equity & ROE

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U.S. Bancorp with nearly 70000 employees and $554 billion in assets as of December 31 2020 is the parent company of U.S. Bank National Association the fifth-largest commercial bank in the United States. The Minneapolis-based bank blends its relationship teams branches and ATM network with digital tools that allow customers to bank when where and how they prefer. U.S. Bank is committed to serving its millions of retail business wealth management payment commercial corporate and investment customers across the country and around the world as a trusted and responsible financial partner. This commitment continues to earn a spot on the Ethisphere Institutes Worlds Most Ethical Companies list and puts U.S. Bank in the top 5% of global companies assessed on the CDP A List for climate change action. Visit usbank.com for more.

SEC Filings

Direct access to Us Bancorp \de\ (USB) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Us Bancorp \de\ compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Us Bancorp \de\ compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR -1%

Stability 4%

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Us Bancorp \de\ Discounted Cash Flow

Fully customizable DCF calculator online for Us Bancorp \de\.

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	28%	26%	27%	30%	-	-	-	23%	18%	21%
ROA	-	2%	2%	2%	2%	1%	2%	1%	1%	1%
ROE	-	12%	12%	13%	13%	9%	14%	11%	9%	9%

Good Net Margins (21.17%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-
Debt over Equity	1.28	0.99	0.98	1.07	1.22	0.99	0.79	1.39	1.2	1.32
Growth Stability	-	-	-	100%	100%	72%	100%	88%	85%	72%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (1.32)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (72%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	5%	4%	3%	-	-	-	-	16%	-0%
Earnings YoY growth	-	-0%	6%	15%	-3%	-30%	65%	-28%	-8%	-3%
Equity YoY growth	-	2%	4%	4%	2%	2%	3%	-8%	9%	1%
FCF YoY growth	-	-	-	-	-	-	-	-	-	-