# U.S. Bancorp (USB) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $63.37, market value $98.7 billion.

## Valuation
- **P/E (trailing): 12.6×** (5-yr avg 10.8×, 3-yr avg 11.7×). U.S. Bancorp trades at 12.6× trailing earnings, close to its own five-year average of 10.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.50**. A PEG of 0.50 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 3.3×**. Each dollar of revenue is priced at 3.3×.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 7.9%**. The inverse of the P/E: 7.9% of the price is earned each year.

## Profitability
- **Net margin: 26.4%**. 26.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.6%**. 11.6% on shareholders' equity is solid.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 4.4%** (3-yr 5.6%/yr). Revenue grew 4.4% over the last year.
- **EPS growth (1 yr): 21.9%** (3-yr 7.8%/yr, 5-yr 8.6%/yr). Earnings per share rose 21.9%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend yield: 3.28%** ($2.08 per share, trailing). U.S. Bancorp yields 3.28%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 42%**. 42% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 16**. 16 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 4.0%/yr** (1-yr 3.0%). The dividend has grown 4.0% a year over five years.

## Analyst view
- **Analyst consensus: buy** (22 analysts). 22 analysts cover U.S. Bancorp; the consensus is buy, with an average price target of $70.32 (+11% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 34.0%** (YTD 21.0%, 3-mo 14.8%). The shares are up 34.0% over twelve months including dividends.
- **From 52-week high: -4.1%** (40.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.75** (volatility 22%). Beta of 0.75 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=USB · Page: https://foliofundamentals.com/stocks/usb

Not investment advice.