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USB

45.64USD+0.29(+0.64%)Delayed

U.S. Bancorp

Market Summary

USD45.64+0.29Delayed
0.64%

USB Alerts

USB Stock Price

RSI Chart

Valuation

Market Cap

63.7B

Price/Earnings

9.38

Price/Sales

4.55

Price/Cashflow

4.52

MarketCap/EBT

7.37

Price/Sales

Profitability

EBT Margin

61.67%

Return on Equity

13.97%

Return on Assets

1.15%

Fundamentals

Revenue

Revenue (TTM)

15.3B

Revenue Y/Y

38.69%

Revenue Q/Q

23.61%

Earnings

Earnings (TTM)

6.6B

Earnings Y/Y

-10.65%

Earnings Q/Q

18.35%

Price Action

52 Week Range

61.71
(Low)(High)

Last 7 days

3.1%

Last 30 days

9.3%

Last 90 days

1.4%

Trailing 12 Months

-16.3%

Financial Health

Debt/Equity

0.61

Debt/Cashflow

0.48

Investor Care

Dividend Yield

4.29%

Dividend/Share (TTM)

1.86

Shares Dilution (1Y)

0.20%

Diluted EPS (TTM)

4.2

Peers (Alternatives to US Bancorp)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
373.5B
53.2B
6.45% -12.37%
9.57
7.02
-19.87% -18.42%
290.7B
90.7B
-0.03% -18.23%
10.38
3.2
7.11% 1.42%
175.8B
41.7B
-1.37% -3.87%
9.95
4.22
1.39% 3.49%
67.4B
20.1B
3.47% -15.91%
11.79
3.35
15.86% -3.31%
63.7B
15.3B
9.32% -16.26%
9.38
4.55
12.60% -15.83%
13.1B
2.4B
1.36% 54.12%
15.8
6.06
7.09% -15.09%
MID-CAP
10.0B
1.2B
-9.15% 11.32%
20.35
8.17
20.51% 13.63%
8.3B
1.2B
0.20% 1.88%
16.6
7.15
2.17% -28.38%
7.8B
2.3B
6.44% -16.18%
9.03
3.37
0.61% -24.32%
6.3B
1.2B
2.96% -14.10%
11.59
5.89
14.86% 10.25%
2.4B
356.7M
3.05% 13.69%
16.34
6.93
1.80% -6.63%
2.2B
428.0M
0.74% 15.23%
20.03
5.19
-8.68% -46.05%
SMALL-CAP
1.7B
195.6M
1.16% 13.70%
18.49
9.5
12.83% 17.81%
1.6B
637.0M
5.16% -3.64%
7.26
2.7
13.13% 20.37%

Financials for US Bancorp

Income Statement (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Revenue9.4%15,32614,00713,56413,48713,611
Earnings Before Taxes-3.5%8,3378,6389,22910,1669,949
Net Income-3.2%6,5736,7897,2407,9637,809
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Assets1.6%600,973591,381586,517573,284567,495
    Cash Equivalents6.5%41,65239,12444,30328,90563,904
  Net PPE-0.7%3,1553,1773,2073,3053,262
  Goodwill-0.3%10,12510,15710,25010,2629,996
Liabilities2.0%552,995542,312534,849517,897513,117
.    Short Term Borrowings0.4%25,06624,96321,04211,79616,088
  Long Term Debt9.6%32,22829,40832,93132,12535,671
Shareholder's Equity-2.2%47,51348,60551,20054,91853,743
  Retained Earnings1.4%71,78270,77269,98769,20168,297
  Additional Paid-In Capital0.4%8,5908,5558,5158,5398,550
Accumulated Depreciation-4,948----
Shares Outstanding0.1%1,4861,4851,5001,483-
Minority Interest0.2%465464468469635
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Cashflow From Operations6.1%14,93414,07617,4109,8708,098
  Share Based Compensation-207
Cashflow From Investing-33.2%-68,795.00-51,647.00-45,385.00-57,487.00-9,359.00
Cashflow From Financing-1.6%31,60932,12228,77713,94221,118
  Dividend Payments2.3%2,7452,6842,6292,5792,529
  Buy Backs0%73739631,5551,549

Risks

What is the probability of a big loss on USB?

35%


Probability that US Bancorp stock will be more than 20% underwater in next one year

23.5%


Probability that US Bancorp stock will be more than 30% underwater in next one year.

18.5%


Probability that US Bancorp stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does USB drawdown profile look like?

Y-axis is the maximum loss one would have experienced if US Bancorp was unfortunately bought at previous high price.

Returns

Cumulative Returns on USB

6.8%


10-Year Cumulative Returns

3.5%


7-Year Cumulative Returns

-0.4%


5-Year Cumulative Returns

-4.7%


3-Year Cumulative Returns

What are the long-term rolling returns for USB?

FIve years rolling returns for US Bancorp.

Which funds bought or sold USB recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2022-11-29
Bridgefront Capital, LLC
-
-
-31,000
401,000
0.41%
2022-11-23
Toroso Investments, LLC
ADDED
4.85
-58,000
655,000
0.03%
2022-11-23
Gould Capital, LLC
REDUCED
-0.13
-109,000
764,000
0.66%
2022-11-23
Invst, LLC
UNCHANGED
-
-93,000
462,000
0.08%
2022-11-23
Eagle Bay Advisors LLC
REDUCED
-68.95
-18,149
6,000
-%
2022-11-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
NEW
-
5,185,000
5,185,000
0.06%
2022-11-22
B. Riley Wealth Advisors, Inc.
ADDED
18.27
43,000
1,243,000
0.04%
2022-11-22
CONTINENTAL INVESTORS SERVICES, INC.
NEW
-
341,000
341,000
0.01%
2022-11-22
CVA Family Office, LLC
-
-
-91,000
42,000
0.01%
2022-11-21
Parallax Volatility Advisers, L.P.
NEW
-
352,000
352,000
-%

1–10 of 45

Latest Funds Activity

Are funds buying USB calls or puts?
Are funds bullish or bearish(Calls - Puts)?
No. of funds that own USB

US Bancorp News

GlobeNewswire

Bragar Eagel & Squire, P.C. Reminds Investors That Class Action Lawsuits Have Been Filed Against US Bancorp, FIGS, Freshworks, and Enviva and Encourages Investors to Contact the Firm.18 hours ago

GuruFocus.com

USB Fair Value

Recent SEC filings of US Bancorp

View All Filings
Date Filed Form Type Document
Nov 21, 2022
4
Insider Trading
Nov 10, 2022
4
Insider Trading
Nov 10, 2022
8-K
Current Report
Nov 10, 2022
SC 13G/A
Major Ownership Report
Nov 09, 2022
4
Insider Trading
Nov 09, 2022
4
Insider Trading
Nov 09, 2022
4
Insider Trading
Nov 04, 2022
8-K
Current Report
Nov 02, 2022
S-8
Employee Benefits Plan
Nov 01, 2022
10-Q
Quarterly Report

Latest Insider Trading transactions for USB

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2022-11-18
DOLAN TERRANCE R
SOLD
-650,100
43.34
-15,000
Vice Chair & CFO
2022-11-08
von Gillern Jeffry H.
SOLD
-1,195,780
43.99
-27,183
Vice Chair
2022-11-08
von Gillern Jeffry H.
ACQUIRED
923,950
33.99
27,183
Vice Chair
2022-11-08
Welsh Timothy A
ACQUIRED
167,979
44.17
3,803
Vice Chair
2022-11-08
Welsh Timothy A
SOLD
-834,385
43.915
-19,000
Vice Chair
2022-11-07
DOLAN TERRANCE R
SOLD
-517,644
43.137
-12,000
Vice Chair & CFO
2022-11-07
Stark Lisa R
SOLD
-5,097.6
43.2
-118
EVP and Controller
2022-11-07
Stark Lisa R
ACQUIRED
4,010.82
33.99
118
EVP and Controller
2022-10-21
Runkel Mark G.
SOLD FOR TAXES
-96,824.2
40.01
-2,420
Senior EVP, Chief Transform Of
2022-03-05
Welsh Timothy A
SOLD (Taxes)
-177,518
55.25
-3,213
Vice Chair

1–10 of 50

Andrew J. Cecere
65535
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities and other financial institutions in the United States. It operates in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; lending services, such as traditional credit products; and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. In addition, the company offers investment and insurance products to its customers principally within its markets, as well as fund administration services to a range of mutual and other funds. Further, it provides corporate and purchasing card, and corporate trust services; and merchant processing services, as well as investment management, ATM processing, mortgage banking, insurance, and brokerage and leasing services. As of December 31, 2021, the company provided its products and services through a network of 2,230 banking offices principally operating in the Midwest and West regions of the United States, as well as through on-line services, over mobile devices, and other distribution channels; and operated a network of 4,059 ATMs. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota.

USB Income Statement

2022-09-30
Consolidated Statement of Income - USD ($)
shares in Millions, $ in Millions
3 Months Ended9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Interest Income    
Loans$ 3,603$ 2,711$ 9,071$ 8,112
Loans held for sale4954163176
Investment securities8676062,3901,741
Other interest income20938347103
Total interest income4,7283,40911,97110,132
Interest Expense    
Deposits53478791245
Short-term borrowings1691824752
Long-term debt198142498464
Total interest expense9012381,536761
Net interest income3,8273,17110,4359,371
Provision for credit losses362(163)785(1,160)
Net interest income after provision for credit losses3,4653,3349,65010,531
Noninterest Income    
Credit and debit card revenue3913931,1281,125
Corporate payment products revenue190156520420
Merchant processing services4063921,1941,084
Trust and investment management fees5724591,6381,349
Deposit service charges166194508531
Treasury management fees151155476462
Commercial products revenue285277841837
Mortgage banking revenue814184231,063
Investment products fees5662177177
Securities gains (losses), net1203888
Other170167470557
Total noninterest income2,4692,6937,4137,693
Noninterest Expense    
Compensation1,8911,8475,6165,448
Employee benefits3693361,1391,057
Net occupancy and equipment272259806780
Professional services131126356332
Marketing and business development12699312237
Technology and communications3553611,0541,082
Postage, printing and supplies7269213203
Other intangibles4341130119
Merger and integration charges4202390
Other336291998937
Total noninterest expense3,6373,42910,86310,195
Income before income taxes2,2972,5986,2008,029
Applicable income taxes4815641,2921,722
Net income1,8162,0344,9086,307
Net (income) loss attributable to noncontrolling interests(4)(6)(8)(17)
Net income attributable to U.S. Bancorp1,8122,0284,9006,290
Net income applicable to U.S. Bancorp common shareholders$ 1,718$ 1,934$ 4,648$ 6,023
Earnings per common share$ 1.16$ 1.3$ 3.13$ 4.04
Diluted earnings per common share$ 1.16$ 1.3$ 3.13$ 4.04
Average common shares outstanding1,4861,4831,4851,491
Average diluted common shares outstanding1,4861,4841,4861,492

USB Balance Sheet

2022-09-30
Consolidated Balance Sheet - USD ($)
$ in Millions
Sep. 30, 2022
Dec. 31, 2021
Assets  
Cash and due from banks$ 41,652$ 28,905
Held-to-maturity (fair value $74,128 and $41,812, respectively)85,574[1]41,858
Available-for-sale ($858 and $557 pledged as collateral, respectively)[2]68,523[1]132,963
Loans held for sale (including $3,483 and $6,623 of mortgage loans carried at fair value, respectively)3,6477,775
Loans  
Total loans342,708312,028
Less allowance for loan losses(6,017)(5,724)
Net loans336,691306,304
Premises and equipment3,1553,305
Goodwill10,12510,262
Other intangible assets4,6043,738
Other assets (including $1,235 and $1,193 of trading securities at fair value pledged as collateral, respectively)47,00238,174
Total assets600,973573,284
Deposits  
Noninterest-bearing115,206134,901
Interest-bearing355,942321,182
Total deposits471,148456,083
Short-term borrowings25,06611,796
Long-term debt32,22832,125
Other liabilities24,55317,893
Total liabilities552,995517,897
Shareholders' equity  
Preferred stock[3]6,8086,371
Common stock, par value $0.01 a share—authorized: 4,000,000,000 shares; issued: 9/30/22 and 12/31/21—2,125,725,742 shares2121
Capital surplus8,5908,539
Retained earnings71,78269,201
Less cost of common stock in treasury: 9/30/22—639,921,995 shares; 12/31/21—642,223,571 shares(27,188)(27,271)
Accumulated other comprehensive income (loss)(12,500)(1,943)
Total U.S. Bancorp shareholders' equity47,51354,918
Noncontrolling interests465469
Total equity47,97855,387
Total liabilities and equity600,973573,284
Commercial  
Loans  
Total loans131,687112,023
Commercial real estate  
Loans  
Total loans40,32939,053
Residential mortgages  
Loans  
Total loans86,27476,493
Credit card  
Loans  
Total loans24,53822,500
Other retail  
Loans  
Total loans$ 59,880$ 61,959
[1]The weighted-average maturity of total held-to-maturity investment securities was 7.4 years at December 31, 2021, with a corresponding weighted-average yield of 1.45 percent. The weighted-average maturity of total available-for-sale investment securities was 5.5 years at December 31, 2021, with a corresponding weighted-average yield of 1.73 percent.
[2]Includes only collateral pledged by the Company where counterparties have the right to sell or pledge the collateral.
[3]The par value of all shares issued and outstanding at September 30, 2022 and December 31, 2021, was $1.00 per share.