-1.34%
-3.52%
-1.46%
11.31%
17.56%
-20.30%
-12.20%
AI Spotlight on USB
Company Description
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.
Market Data
| Last Price | 47.14 |
| Change Percentage | -1.34% |
| Open | 46.84 |
| Previous Close | 47.78 |
| Market Cap ( Millions) | 73540 |
| Volume | 4991405 |
| Year High | 53.98 |
| Year Low | 37.81 |
| M A 50 | 49.88 |
| M A 200 | 45.13 |
Financial Ratios
| FCF Yield | 2.62% |
| Dividend Yield | 4.20% |
| ROE | 9.70% |
| Debt / Equity | 133.45% |
| Net Debt / EBIDTA | 65.39% |
| Price To Book | 1.24 |
| Price Earnings Ratio | 13.31 |
| Price To FCF | 38.22 |
| Price To sales | 2.15 |
| EV / EBITDA | 10.3 |
News
- 09:00 - ACRONAME LAUNCHES USB3.2 SWITCH EXTENSION SOLUTION WITH ADVANCED POWER DELIVERY
- Jan -29 - US Bancorp Names President Gunjan Kedia to CEO Post
- Jan -28 - Gunjan Kedia to Become CEO of U.S. Bancorp in Mid-April
- Jan -26 - Top Banks Blew Out Earnings: Buy the 4 Highest-Yielding Dividend Stocks Now
- Jan -26 - U.S. Bancorp Needs To Do More To Build A Distinct Investment Thesis
- Jan -21 - U.S. Bancorp May See 3% Net Interest Income Growth in 2025, But Regulatory Capital Goals May Limit Share Buyback Pace: Analyst
- Jan -21 - A Pair Trade Opportunity Presented By U.S. Bancorp Floating-Rate Preferred Stocks
- Jan -21 - U.S. Bank Launches New Smartly Visa Signature Ad Campaign Featuring Peyton Manning
- Jan -20 - USB vs. FITB: Which Stock Is the Better Value Option?
- Jan -17 - The 3 Best Bank Stocks to Buy for 2025
- Jan -17 - U.S. Bancorp (USB) Could Be a Great Choice
- Jan -17 - U.S. Bancorp Q4 Earnings Beat on Higher Fee Income, Stock Declines
- Jan -17 - US Bancorp Reports Q4 Earnings Beat, 'Has Turned The Corner,' Analysts Say
- Jan -17 - U.S. Bancorp: I Was Wrong (Rating Upgrade)
- Jan -16 - US Bancorp Anticipates Fee-Based Momentum After Year of ‘Uncertainty'
- Jan -16 - U.S. Bancorp Tops on Q4 Earnings on Rise in Non-Interest Income
- Jan -16 - U.S. Bancorp (USB) Q4 2024 Earnings Call Transcript
- Jan -16 - U.S. Bancorp: Earnings Exceed Forecasts
- Jan -16 - U.S. Bancorp (USB) Reports Q4 Earnings: What Key Metrics Have to Say
- Jan -16 - U.S. Bancorp (USB) Q4 Earnings Top Estimates
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Wealth, Corporate, Commercial and Institutional Banking
Expected Growth : 5.5 %
What the company do ?
Why we expect these perspectives ?
Wealth: Strong investment product sales and advisory fees. Corporate: Increased lending and treasury management revenue. Commercial: Growth in commercial lending and deposit fees. Institutional: Higher transaction volumes and fees from treasury management and securities services, driving 5.5% growth for U.S. Bancorp.
Segment n°2 -> Consumer and Business Banking
Expected Growth : 5.8 %
What the company do ?
Why we expect these perspectives ?
U.S. Bancorp's Consumer and Business Banking segment growth of 5.8% is driven by increasing consumer spending, low unemployment, and rising interest rates. Additionally, the segment benefits from the bank's strong digital platform, expanded branch network, and targeted marketing efforts. Furthermore, the segment's growth is fueled by the bank's focus on cross-selling and deepening customer relationships, resulting in increased deposit and loan growth.
Segment n°3 -> Payment Services
Expected Growth : 6.2 %
What the company do ?
Why we expect these perspectives ?
U.S. Bancorp's Payment Services segment growth of 6.2% is driven by increasing adoption of digital payment solutions, growth in e-commerce, and rising demand for contactless payments. Additionally, the company's investments in mobile payment technologies, partnerships with fintech companies, and expansion of its merchant services offerings are contributing to the segment's growth.
Segment n°4 -> Treasury and Corporate Support
Expected Growth : 5.9 %
What the company do ?
Why we expect these perspectives ?
Treasury and Corporate Support growth of 5.9% driven by increased commercial card spend, higher transaction volumes, and growth in treasury management services. Additionally, strategic investments in digital capabilities and expansion of corporate customer base contributed to the segment's growth.
U.S. Bancorp Products
| Product Range | What is it ? |
|---|---|
| Consumer Banking | Provides financial services to individual consumers, including checking and savings accounts, credit cards, home loans, and personal loans. |
| Corporate Banking | Offers financial services to large corporations, including cash management, treasury management, and lending services. |
| Commercial Banking | Provides financial services to small and medium-sized businesses, including cash management, lending, and treasury management services. |
| Wealth Management | Offers investment and wealth management services to individuals, families, and institutions, including investment advice, portfolio management, and retirement planning. |
| Payment Services | Provides payment processing services to merchants, including credit and debit card processing, electronic funds transfer, and online payment solutions. |
| Treasury Management | Offers cash management and treasury management services to corporations, including account management, payment processing, and risk management. |
| Investment Services | Provides investment products and services to individuals, families, and institutions, including brokerage services, investment advice, and retirement planning. |
| Mortgage Banking | Offers mortgage lending services to individuals and institutions, including residential and commercial mortgage loans. |
U.S. Bancorp's Porter Forces
Threat Of Substitutes
U.S. Bancorp operates in a highly regulated industry, making it difficult for substitutes to emerge. Additionally, the company's diverse range of financial products and services makes it less susceptible to substitution.
Bargaining Power Of Customers
U.S. Bancorp's customers have some bargaining power due to the availability of alternative financial institutions. However, the company's large customer base and diversified product offerings mitigate this power to some extent.
Bargaining Power Of Suppliers
U.S. Bancorp's suppliers, such as technology providers and vendors, have limited bargaining power due to the company's large scale and diversified operations.
Threat Of New Entrants
The banking industry is highly regulated, and new entrants face significant barriers to entry, including high capital requirements and complex regulatory compliance. This limits the threat of new entrants to U.S. Bancorp.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players competing for market share. U.S. Bancorp faces intense rivalry from other major banks, which can lead to pricing pressure and increased marketing expenses.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 53.23% |
| Debt Cost | 9.32% |
| Equity Weight | 46.77% |
| Equity Cost | 9.32% |
| WACC | 9.32% |
| Leverage | 113.79% |
U.S. Bancorp : Quality Control
U.S. Bancorp passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| FCNCA | First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals. The company's deposit … |
| PNC | The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company's Retail Banking segment offers checking, savings, and money market accounts, as … |
| MTB | M&T Bank Corporation operates as a bank holding company that provides commercial and retail banking services. The company's Business Banking segment offers deposit, lending, cash management, and other financial services … |
| TFC | Truist Financial Corporation, a holding company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and … |
| FITB | Fifth Third Bancorp operates as a diversified financial services company in the United States. The company's Commercial Banking segment offers credit intermediation, cash management, and financial services; lending and depository … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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PNC Financial Services Group
A-Score
1-Year Total Return ->
🥈
M&T Bank
A-Score
1-Year Total Return ->
🥉
Fifth Third
A-Score
1-Year Total Return ->
4
Truist
A-Score
1-Year Total Return ->
5
U.S. Bank
A-Score
1-Year Total Return ->
6
