Financial Performance
5Y price score: (7)
The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.
A score of 100 indicates that the stock did as well as the S&P 500 Index.
A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.
10Y return: 73.7%
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45.0
52-week range
66.0
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Your fair value & Margin of safety
To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.
Forecast:
Valuation
Free Cash Flow Yield
9.7 %
Dividend Yield TTM
3.5 %
Market cap $
$ 93,055
Price / Earnings TTM
11.6
Price / Book TTM
1.4
PEG TTM
0.5
Earnings growth and return
LTM
5YR
10YR
Total return (price & dividends)
30.5 %
10.5 %
73.6 %
Free cash flow per share growth
42.4 %
108.1 %
3.4 %
Earnings per share growth
10.7 %
50.7 %
45.9 %
Founded: 1,968
Employees: 70,000
Business Summary:
Q&A
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Latest Earnings Call Takeaways
2026 Q3 (Oct 15, 2026)
1) Strong Financial Performance - U.S. Bancorp reported record net revenue of approximately $8 billion, a year-over-year increase of 8.7%. - Diluted earnings per share (EPS) reached $1.34, reflecting a 10% increase from the previous year. - Total fee income grew 14.9% year-over-year, with capital markets revenue increasing 69% due to the BTIG acquisition.
2) Strategic Initiatives and Growth Areas - The company is focusing on three strategic priorities: driving organic growth, deepening client wallet share, and enhancing product capabilities. - The BTIG acquisition contributed $226 million to fee revenue in Q3, and the company anticipates capital markets to grow to 8-10% of total revenue over the next 3-5 years. - U.S. Bancorp is expanding its small business banking segment, serving over 2 million small businesses, and has launched initiatives like the Amazon co-brand partnership.
3) Operational Efficiency and Cost Management - The efficiency ratio improved, aided by productivity initiatives, including AI programs, which are expected to enhance operational efficiency. - Noninterest expenses grew 7.1% year-over-year, but the company maintained a disciplined approach to managing costs. - Positive operating leverage of 240 basis points was achieved, with expectations for continued improvement.
4) Credit Quality and Capital Management - Credit quality metrics remain healthy, with nonperforming assets declining 1.6% and net charge-offs at 51 basis points. - The common equity tier 1 (CET1) capital ratio was stable at 10.8%, with plans to resume share repurchases in the next quarter or two. - The company is closely monitoring regulatory changes and their potential impact on capital requirements.
5) Guidance and Future Outlook - For Q4 2026, U.S. Bancorp expects net interest income growth of 6-7% and total fee revenue growth of 13-14%. - Full-year 2026 revenue growth is now projected at 8-9%, improved from previous guidance. - The transcript lacks specific details on the anticipated impact of regulatory changes on capital management and buybacks.
Bottom line: U.S. Bancorp's strong financial performance, strategic growth initiatives, and disciplined cost management position it well for continued success, making it an attractive investment for shareholders looking for sustainable returns.
Annual Reports, Presentations And IR Contacts
Go to the websiteU.S. Bancorp — Financial Overview, Stock Price, Market Cap
U.S. Bancorp is a company. Founded in 1968. As of October 23, 2026, the company's market capitalization is $93054536250 with a current stock price of $59.73.