Us Bancorp De (USB)
Financials · Diversified Banks · US stock · S&P 500 component
$58.73
▲ +1.34 (2.33%)
Fair valueFair
$61 +4.5% to fair value
$31fair band $37–$86$92
Day's range
$57.94 – $59.17
52-week range
$43.35 – $65.47
About Us Bancorp De
U.S. Bancorp is a large diversified bank holding company based in Minneapolis, offering consumer and business banking, wealth management, payment services and commercial lending. It takes deposits and lends funds, earning net interest income from the spread between what it receives on loans and pays on deposits. It also collects fees from payment processing, card services, trust and mortgage banking activities.
Us Bancorp De generated $29.7 billion of revenue in the last twelve months, with sales that expanded at 5.6% a year across three years. The operating margin is 34.4% and the return on invested capital is 21%. A dividend is paid, with a yield of 3.6%. Its X-Ray Score is 62 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $43.35 – $65.47Volume 17,521,600Daily, split-adjusted
Vitals
Market cap$91.3B
52-week range$43.35 – $65.47
Volume (last day)17,521,600
P/E (TTM)11.2
EBIT / EV yield16.3%
Free-cash-flow yield–
Dividend yield3.6%
Revenue (TTM)$29.7B
Net income (TTM)$8.2B
Operating margin34.4%
Return on capital21.4%
Debt incl. leases$37.3B
Cash & securities$66.5B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$61
Fair
+4.5% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is High, so the safety margin is 40%.
Price $59
Undervalued < $37Fair $37 – $86Overvalued > $86
Excess-return (bank)
$50
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Average business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Strong
74/100
Cheap against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield16.3%
Fair value vs price1.0×
Growth
Weak
28/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)5.6%
EPS growth (3y)7.8%
Growth consistency70%
Profitability
Fair
53/100
Returns on capital are typical for its sector.
See the numbers →
Return on invested capital21.4%
Operating margin34.4%
Financial health
Strong
80/100
Balance sheet looks strong: debt is well covered.
See the numbers →
Piotroski F-Score8 / 9
Net debt / EBITDA-2.9×
Interest coverNo interest cost
Dividends
Fair
65/100
Dividend is typical for its sector.
See the numbers →
Dividend yield3.6%
Dividend growth4.5%
Quarterly results: last 6 quarters
+3.6%
Mar '25
+2.0%
Jun '25
+6.8%
Sep '25
+5.1%
Dec '25
+4.7%
Mar '26
+10.1%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $7.7B, diluted EPS $1.35.
Compare with peers
JPM Jpmorgan Chase & Co51 BAC Bank Of America Corp48 PNC Pnc Financial Services...45 WFC Wells Fargo & Company44Other Diversified Banks companies by X-Ray Score.
Fundamentals checklist
● 5 Good · ● 3 Average · ● 3 BadCash quality
Earnings backed by cashAverage
Risk models
Piotroski F-ScoreGood
Growth
EPS growth (3y)Bad
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Net debt / EBITDAGood
Interest coverGood
Valuation
Fair value vs priceAverage
EBIT / EV yieldGood
Profitability
Return on invested capitalGood
Operating marginAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 59/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | – | $24.3B | $28.1B | $27.5B | $28.7B |
| Operating income | $11.2B | $10.5B | $19.5B | $7.9B | $9.5B |
| Net income | $8.0B | $5.8B | $5.4B | $6.3B | $7.6B |
| Operating cash flow | $9.9B | $21.1B | $8.4B | $11.4B | $8.0B |
| Operating margin | – | 43.3% | 69.2% | 28.8% | 33.2% |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $5.10 | $3.69 | $3.27 | $3.79 | $4.62 |
Fiscal years, from SEC filings.
Technical summary
Daily
Neutral
7 bullish · 2 neutral · 7 bearish
Weekly
Neutral
6 bullish · 1 neutral · 5 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 57.15 | Bullish |
| EMA 10 | 57.47 | Bullish |
| SMA 20 | 57.67 | Bullish |
| EMA 20 | 57.99 | Bullish |
| SMA 50 | 60.40 | Bearish |
| EMA 50 | 59.27 | Bearish |
| SMA 100 | 59.98 | Bearish |
| EMA 100 | 58.96 | Bearish |
| SMA 200 | 56.85 | Bullish |
| EMA 200 | 56.56 | Bullish |
Oscillators (daily)
| RSI (14) | 51.91 | Neutral |
| MACD (12, 26) | -0.84 | Bearish |
| Momentum (12) | 1.68 | Bullish |
| Stochastic %K (14) | 87.57 | Bearish |
| Williams %R (14) | -12.43 | Bearish |
| CCI (20) | 88.32 | Neutral |
Pivot points (classic, last session)
S3 56.83 | S2 57.38 | S1 58.06 | Pivot 58.61 | R1 59.29 | R2 59.84 | R3 60.52 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
2.10 USD
Yield on today's price
3.58%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 30 Sep 2026 | 0.5400 |
| 30 Jun 2026 | 0.5200 |
| 31 Mar 2026 | 0.5200 |
| 31 Dec 2025 | 0.5200 |
| 30 Sep 2025 | 0.5200 |
| 30 Jun 2025 | 0.5000 |
| 31 Mar 2025 | 0.5000 |
| 31 Dec 2024 | 0.5000 |
| 30 Sep 2024 | 0.5000 |
| 28 Jun 2024 | 0.4900 |
| 27 Mar 2024 | 0.4900 |
| 28 Dec 2023 | 0.4900 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
USB SEC filings
15 Oct 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
6 Aug 2026
10-QSEC EDGAR
Quarterly report
16 Jul 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
24 Jun 2026
8-KSEC EDGAR
Other events
4 May 2026
10-QSEC EDGAR
Quarterly report
23 Apr 2026
8-KSEC EDGAR
Shareholder vote results
16 Apr 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
8 Apr 2026
8-KSEC EDGAR
Regulation FD disclosure
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.