USB
U.S. Bancorp
$58.68
▲ 0.9%Updated Today 6:01 PM ET
▲ Up 34.4% over the last 12 months
Market Cap
$91.41B
P/E
11.35x
Forward P/E (est.)
9.7x
ROE
12.2%
Revenue Growth
84.1%
EPS Growth
17.0%
Profit Margin
20.0%
FCF Yield
6.8%
Debt / Equity
1.2x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
3.9%
Implied Growth (rev. DCF)
—
Rating Score
72/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what USB's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. USB trades near $58.68, above its 50-day average ($55.61) and 200-day average ($52.63). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 62 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. USB's is $1.45 (~2.5% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month USB found buyers near $53.05 (support) and sellers near $59.56 (resistance); its 52-week range is $42.55–$61.19. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.5× the 20-day average — heavier than usual, which adds conviction to the move. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
U.S. Bancorp (USB) is a large-cap company in the Diversified Banks industry, part of the Financials sector of the S&P 500, with a market value around $91.41B.
In its latest reported year it generated about $28.66B in revenue and $7.57B in net profit.
Our model rates USB Strong (72/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
6.1%
Revenue moved from $22.64B in 2018 to $28.66B in 2025, a 6.1% compound annual growth rate. The most recent year grew a strong 84.1% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
25.2%
Net Margin
26.4%
ROE
12.2%
U.S. Bancorp keeps about 20.0% of each sales dollar as net profit. Return on equity is 12.2%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$43.07B
Net Debt
$34.82B
Net Debt / EBITDA
—
Debt / Equity
1.2x
Leverage: debt-to-equity is 1.2x. That is a moderate, manageable debt load for most businesses. It carries roughly $43.07B of total debt against $8.25B of cash.
Operating CF
$7.97B
Free Cash Flow
$7.97B
FCF Margin
27.8%
In the latest year U.S. Bancorp produced about $7.97B of operating cash flow and $7.97B of free cash flow after capital spending. That is a free-cash-flow yield of about 6.8% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
11.35x
P/S
2.39x
P/B
1.26x
EV / EBITDA
—
USB trades at 11.3x trailing earnings (about 9.7x on estimated forward earnings), 2.4x sales, and 1.3x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How USB stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), USB ranks #19 of 76 by our overall rating. It trades at a discount versus the sector on earnings (11.3x P/E vs. 15.2x median) with a lower return on equity (12.2% vs. 15.3%) and faster revenue growth (84.1% vs. 9.1%).
P/E vs sector
11.3x
median 15.2x
ROE vs sector
12.2%
median 15.3%
Growth vs sector
84.1%
median 9.1%
Sector rank
#19
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$215.35 – $338.41
vs. $58.68 today · expected CAGR 30% – 42%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $41.55B | $60.25B | $87.36B | $126.67B | $183.68B |
| Net income | $10.80B | $15.66B | $22.71B | $32.94B | $47.76B |
| EPS | $6.96 | $10.09 | $14.63 | $21.22 | $30.76 |
| Share price (low) | $48.72 | $70.64 | $102.43 | $148.52 | $215.35 |
| Share price (high) | $76.56 | $111.00 | $160.96 | $233.39 | $338.41 |
| CAGR (low–high) | -17% / 30% | 10% / 38% | 20% / 40% | 26% / 41% | 30% / 42% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for USB:
- Revenue is growing 84.1% a year, a sign of real demand.
- High net margins (20.0%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~6.8%) funds buybacks and dividends.
- Pays a 3.9% dividend on top of any price gains.
- Our model's overall read is Strong (72/100).
The case against USB:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Balance-sheet risk — debt/equity of 1.2x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: U.S. Bancorp is a large-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 11.3x earnings, which our model scores Strong (72/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.