Stock Analysis
U.S. BancorpUSB
P/E 11.20×· 5Y range 7.36–15.28×· 56th percentile of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsBuy27 analystsP/E 11.2× sits at the 56th percentile of its 5.0978781656399725-year history.
PMP Verdict
Weak fundamentals
Strengths
- Profitability64
Risks
- Financial Health6
- Growth32
Weak fundamentals — valuation is the only support.
Market context
+2.3% today· Z 2.0σ· RVOL 2.1×· U.S. Bancorp reported strong Q3 2026 earnings with record revenue, fee-based growth, and raised guidance.
Bull Case
- ✓Revenue CAGR 15.9% — durable top-line growth
Why is USB moving?
EarningsU.S. Bancorp reported strong Q3 2026 earnings with record revenue, fee-based growth, and raised guidance.
Profile
financial health, moat and growth lag behind.
How is each axis scored?
- Valuation52/100 · Moderate
- P/E vs own history (56th pct)12/25
- FCF yield (n/a)10/25
- P/S (2.1x)20/25
- EV/EBIT (n/a)10/25
- Growth32/100 · Weak
- Revenue CAGR (15.9%)20/25
- Net income CAGR (-1.3%)0/25
- EPS CAGR 5Y (-2.4%)0/25
- Fwd implied growth (6.1%)12/25
- Profitability64/100 · Moderate
- ROIC (9.1%)12/25
- ROE (12.5%)12/25
- Net margin (18.9%)20/25
- Operating margin (22.0%)20/25
- Financial Health6/100 · Weak
- Altman Z (0.36)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.4x)3/25
- Net cash / debt (n/a)0/25
- Quality52/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.54)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 8.8%)12/25
- Moat25/100 · Weak
- ROIC >12% years (0/9 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 13.4%)25/25
Risk Flags
- ⚠Altman Z 0.4 — distress-zone balance sheet
- ⚠Interest coverage 0.4× — thin debt cushion
About U.S. Bancorp
With assets of around $700 billion, U. Show more
S. Bancorp is one of the largest regional banks in the US with its footprint in 26 states. The bank's branch network is mostly in Midwestern and Western markets. U.S. Bancorp has a comprehensive product set, with offerings in retail and commercial banking, credit cards, mortgages, payment services, trust, wealth, and capital market services.
Headquarters: MINNEAPOLIS, MN · Employees: 68,520 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
52CP/E (TTM)11.2xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 7.4x–15.3x · 56th pct
P/FCF7.1xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield14.1%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)2.11xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.2x–4.0x · 63rd pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.5xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.40xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.02B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield4.04%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio43.5%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
64BROIC9.1%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE12.5%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.2%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin18.9%A
Grade A: HighNet Income / Revenue
Operating Margin22.0%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
32DRevenue CAGR15.9%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-1.3%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-2.4%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth6.1%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+4.1%C
Grade C: DilutiveShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
6EAltman Z-Score0.36D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.4xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.26xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
52CPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.54A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability8.8%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Kedia Gunjan Filed | Kedia Gunjan | Option exercise | -27267 | |
Kedia Gunjan Filed | Kedia Gunjan | SellOpen market sale | -27267 | |
Kedia Gunjan Filed | Kedia Gunjan | Option exercise | +27.3K | |
CHOSY JAMES L Filed | CHOSY JAMES L | Option exercise | -24711 | |
CHOSY JAMES L Filed | CHOSY JAMES L | SellOpen market sale | -22968 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
CHOSY JAMES L Filed | CHOSY JAMES L | Option exercise | +24.7K | |
CHOSY JAMES L Filed | CHOSY JAMES L | Gift | -3969 | |
Philipson Stephen L Filed | Philipson Stephen L | SellOpen market sale | -36906 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
25EROIC >12% Years0/9 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor13.4%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$5.24
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$41.33
Cash & short-term investments per share (Finnhub)
Book Value / Share$43.28
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$17.16B
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$65.19B
Shareholders' equity (book value)
Asset / Liability1.10xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$91.24B
Current Market Capitalization
Beta1.05B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: U.S. Bancorp (USB)
USB is up 2.33% at the last close — U.S. Bancorp reported strong Q3 2026 earnings with record revenue, fee-based growth, and raised guidance.. Piotroski F-Score of 5/9 indicates mixed fundamentals for U.S. Bancorp. Altman Z-Score of 0.36 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.54 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 16% annually — a strong growth profile.
- Interest coverage of 0.4× leaves little room for earnings shocks.
- The stock currently yields 4.0% in dividends.
See how USB ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 15, 2026 | Pre-Mkt | $1.33 | — | — | $8.1B | — |
Recent Market Moves
See all USB moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 16 | After-hours | 58.56 | +2.04% | 2.04 |
| Oct 15 | Regular | 57.48 | +2.16% | 2.57 |
| Oct 15 | After-hours | 57.48 | +2.17% | 2.58 |
Frequently Asked Questions about USB
What is the current U.S. Bancorp (USB) stock price?
USB is trading at $58.73 at the last market close, up 2.33% on the session. PreMarketPrice tracks USB pre-market, intraday and after-hours prices.
Is USB stock a buy right now?
PreMarketPrice's quantitative model rates U.S. Bancorp's financial health at 6/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is USB stock overvalued?
U.S. Bancorp trades at a trailing P/E of 11.2 and our valuation score rates it 52/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does U.S. Bancorp report earnings?
No confirmed earnings date is currently scheduled for USB. The Earnings section lists recent reports and updates as dates are announced.
What sector does U.S. Bancorp operate in?
U.S. Bancorp operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does U.S. Bancorp do?
With assets of around $700 billion, U.
About U.S. Bancorp (USB) Stock
U.S. Bancorp (USB) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. As of the latest update, U.S. Bancorp is trading at $58.73, up 2.33% on the day with a market capitalization of $91.2 billion. The financial health score for USB is 6/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for USB stock.
USB Stock Analysis & Key Metrics
On PreMarketPrice, you can track U.S. Bancorp (USB) across multiple dimensions:
- Pre-market price & movement: Real-time USB stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for USB, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for USB with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for U.S. Bancorp across multiple reporting periods.
- Financial health score: A composite score of 6/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for USB.
- Sector peers: Compare USB against 6 other financial services stocks on key financial metrics.
Is USB a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate U.S. Bancorp (USB) as an investment. The financial health score of 6/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.U.S. Bancorp (USB) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.