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U.S. Bancorp USB

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Company Report

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Small Increase to Our U.S. Bancorp Fair Value Estimate, as Fed-Funds Rate Likely at Peak

Michael Wong, Eric Compton

U.S. Bancorp is the largest non-GSIB in the U.S. and has been one of the most profitable regional banks we cover. Few domestic competitors can match its operating efficiency and returns on equity over the past 15 years. While the bank has performed admirably, if we were to have a complaint, it would be that the bank has had a hard time further optimizing efficiency and returns while some peers seem to be gradually "catching up" over time.

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Price vs Fair Value

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USB is trading at a 632% premium.
Price
$45.48
Fair Value
$19.00
Uncertainty
Medium
1-Star Price
$49.51
5-Star Price
$49.10
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

Strong fee revenue in moaty businesses, such as payments, helps insulate U.S. Bancorp from a flatter yield curve environment and drives higher returns on equity.

Bears

Every time interest rates go higher, it pressures banks more and more. If rates go higher than expected, it could drive more unrealized losses and put additional pressure on bank earnings.

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News

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Trading Information

Previous Close Price
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Day Range
—–—
52-Week Range
—–—
Bid/Ask
— / —
Market Cap
—
Volume/Avg
— / —

Key Statistics

Price/Earnings (Normalized)
11.59
Price/Sales
2.60
Dividend Yield (Trailing)
4.29%
Dividend Yield (Forward)
4.40%
Total Yield
4.29%

Company Profile

As a diversified financial-services provider, U.S. Bancorp is one of the nation's largest regional banks, with branches in roughly 26 states, primarily in the Western and Midwestern United States. The bank offers many services, including retail banking, commercial banking, trust and wealth services, credit cards, mortgages, and other payments capabilities.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Large Value
Total Number of Employees
75,465
Website
https://www.usbank.com

Competitors

Valuation

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Metric
USB
WFC
BAC
Price/Earnings (Normalized)
 11.5910.6113.47
Price/Book Value
 1.431.191.15
Price/Sales
 2.602.433.20
Price/Cash Flow
 7.217.628.23
Price/Earnings
USB
WFC
BAC

Financial Strength

Metric
USB
WFC
BAC
Quick Ratio
 ———
Current Ratio
 ———
Interest Coverage
 ———
Quick Ratio
No chart available

Profitability

Metric
USB
WFC
BAC
Return on Assets (Normalized)
 0.86%1.00%0.92%
Return on Equity (Normalized)
 12.13%11.86%11.21%
Return on Invested Capital (Normalized)
 ———
Return on Assets
USB
WFC
BAC

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