Stock AnalizUS Bancorp \de\ USB
Major Banks · data as of November 13, 2026
US Bancorp \de\ (USB) is a financial company listed in the US with a market value of about $95.0B. In the twelve months to September 30, 2026 it had revenue of $30.2B and net income of $8.0B, a net margin of 26.5%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 11.9, a price to free cash flow of 7.3, 5-year revenue growth of 4% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 4% below the current price.
Score: 2.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Profit margin improving
- Profitable 5 years in a row
- Positive free cash flow
- Pays a dividend
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $30.2B | $28.5B | $27.3B | $28.0B | $24.2B | $22.7B | $23.2B | $22.9B | $22.5B | $21.7B | $21.0B |
| Net income | $8.0B | $7.6B | $6.3B | $5.4B | $5.8B | $8.0B | $5.0B | $6.9B | $7.1B | $6.2B | $5.9B |
| Free cash flow | $12.9B | $8.0B | $11.3B | $8.4B | $21.1B | $9.9B | $3.7B | $4.9B | $10.6B | $6.5B | $5.3B |
| EPS (diluted) | $5.14 | $4.62 | $3.79 | $3.27 | $3.69 | $5.10 | $3.06 | $4.16 | $4.14 | $3.51 | $3.24 |
| Net margin | 26.5% | 26.5% | 23.0% | 19.4% | 24.1% | 35.0% | 21.3% | 30.2% | 31.5% | 28.7% | 28.1% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 22 analysts is $68.80, 13% above the current price; targets range from $65.00 to $75.00; the consensus rating is “Buy”; expected EPS is $5.29 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is US Bancorp \de\’s P/E ratio?
About 11.9, based on the last twelve months of diluted earnings per share (forward P/E about 10.8).
Is US Bancorp \de\ stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 4% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does US Bancorp \de\ pay a dividend?
Yes. The dividend yield is about 3.54%, and it has paid dividends for 10 years in our data.
Is US Bancorp \de\ a good stock to buy?
We do not give buy or sell advice. US Bancorp \de\ scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.