U.S. Bancorp USB
Financial Services · Banks - Regional · United States · S&P 500
Based on the available data, U.S. Bancorp gets an algorithmic score of 75/100. It trades at 58.14 $, with a bullish technical trend (RSI 33.1) and 22.5% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (29.9%): pricing power / competitive advantage.
- Attractive free-cash-flow yield (8.8%).
- Low valuation (P/E 10.0).
- Meaningful dividend (3.72%).
Weaknesses
- —
Fundamentals
| P/E | 11.75 |
| Forward P/E | 10.02 |
| PEG | 1.79 |
| P/B | 1.49 |
| P/S | 3.32 |
| ROE % | 12.62 |
| ROA % | 1.16 |
| Gross margin % | 0.00 |
| Operating margin % | 39.65 |
| Net margin % | 29.90 |
| Revenue growth % (y/y) | 10.40 |
| Earnings growth % (y/y) | 21.60 |
| Revenue CAGR % | 5.68 |
| Earnings CAGR % | 9.13 |
| FCF yield % | 8.80 |
| Dividend yield % | 3.72 |
| Payout % | 41.52 |
Returns
| 1 month | -6.9 % |
| 3 months | -3.7 % |
| 6 months | +16.4 % |
| YTD | +9.8 % |
| 1 year | +22.3 % |
| 3 years | +99.0 % |
| 5 years | +26.6 % |
Risk
| 1-year volatility | 22.5 % |
| Beta | 1.02 |
| 5-year max drawdown | -52.1 % |
| Sharpe 1A | 0.83 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.