US Bancorp stock analysis
US Bancorp (UB5) Stock Price & Analysis
UB5 Stock Chart & Stats
- Day’s Range
- N/A
- 52-Week Range
- N/A
- Previous Close
- N/A
- Volume
- N/A
- Average Volume (3M)
- N/A
- Market Cap
- CHF 79.00B
- Enterprise Value
- CHF 120.84B
- Total Cash (Recent Filing)
- CHF 202.67B
- Total Debt (Recent Filing)
- CHF 73.04B
- Price to Earnings (P/E)
- 11.8
- Beta
- 0.54
- Next Earnings
- Jan 19, 2027 (Est.)
- EPS Estimate
- 1.18
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.34%
Bulls Say, Bears Say
Bulls Say
Diversified Fee Revenue
A large and growing fee contribution broadens U.S. Bancorp’s earnings base beyond net interest income. Strength across payments, treasury management, capital markets, and other services can support revenue resilience and reduce reliance on any single banking activity over the next several quarters.
Payments And Commercial Growth
Payments growth, particularly the 19% increase in corporate payments, demonstrates durable relevance in transaction banking and business services. These relationships can deepen deposits, treasury activity, and cross-selling, supporting recurring fee growth and stronger client retention over time.
Improving Credit Quality
Healthy and improving credit metrics provide support for earnings durability by limiting near-term loss pressure on the loan portfolio. Lower nonperforming assets, charge-offs, and card delinquencies also indicate that current loan and credit-card growth is not yet accompanied by broad deterioration.
Bears Say
Elevated Leverage
Debt-to-equity remains meaningful for a regional bank, leaving earnings and capital more sensitive to funding costs, credit losses, and regulatory requirements. Although leverage has improved, continued reliance on debt funding can constrain flexibility during adverse rate or credit conditions.
Capital Ratio Pressure
The decline in AOCI-adjusted CET1 highlights sensitivity to asset growth, Treasury rates, credit spreads, and capital rules. Even with reported CET1 stable, weaker adjusted capital can limit distributions or require capital retention if risk-weighted assets or regulatory requirements rise.
Earnings Cycle Volatility
Historical margin volatility indicates that U.S. Bancorp’s earnings power can fluctuate with the interest-rate and credit cycle. This makes recent revenue and profitability improvement less predictable, especially if deposit competition, funding costs, or loan-loss provisions become less favorable.
UB5 FAQ
What is US Bancorp’s market cap?
When is US Bancorp’s upcoming earnings report date?
How were US Bancorp’s earnings last quarter?
Is US Bancorp overvalued?
Does US Bancorp pay dividends?
What is US Bancorp’s EPS estimate?
How many shares outstanding does US Bancorp have?
What happened to US Bancorp’s price movement after its last earnings report?
Which hedge fund is a major shareholder of US Bancorp?
What is the TipRanks Smart Score and how is it calculated?
US Bancorp Stock Smart Score
Company Description
US Bancorp
U.S. Bancorp (USB) functions as a broad-based financial services holding company, delivering a comprehensive spectrum of banking and financial solutions throughout the United States. Its diverse customer base includes individual consumers, various businesses, institutional organizations, governmental bodies, and other financial entities. The company organizes its operations across key segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. Its offerings encompass fundamental depository services such as checking accounts, savings accounts, and time certificates. U.S. Bancorp also extends a variety of credit facilities, including traditional lending products, credit card services, lease financing, support for import/export trade, asset-backed lending, and agricultural finance. Furthermore, it provides supplementary services like capital markets access, treasury management, and receivable lock-box collection for its corporate and governmental clients. The firm also offers a full suite of asset management and fiduciary services designed for individuals, estates, foundations, corporations, and charitable organizations. Beyond these, the company supplies investment and insurance products, predominantly to customers within its operating regions, and delivers fund administration services to a range of mutual and other investment funds. Its portfolio also includes corporate and purchasing card services, corporate trust management, and merchant processing. U.S. Bancorp's capabilities additionally span investment management, ATM network operation, mortgage banking, insurance provision, brokerage activities, and leasing services. As of December 31, 2021, the company distributed its products and services through a physical network of 2,230 banking branches, mainly concentrated in the Midwest and Western United States. Digital access was also extensively provided via online platforms, mobile devices, and other electronic channels. Additionally, it managed a network of 4,059 ATMs. Founded in 1863, U.S. Bancorp is headquartered in Minneapolis, Minnesota.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Gunjan Kedia
- Employees
- 68,520
- Website
- www.usbank.com
- Address
- 800 Nicollet Mall, Minneapolis, MN, 55402, US
US Bancorp (UB5) Earnings & Revenues
UB5 Company Deck
UB5 Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. Management reported record revenue, double-digit EPS growth, broad-based fee growth, expanding net interest margin, healthy credit metrics, improved operating-leverage guidance, and constructive loan and deposit trends. The principal challenges were the reserve build, higher expenses tied partly to investments and BTIG, the decline in AOCI-adjusted CET1, a temporary pause in share repurchases, muted mortgage and commercial real estate activity, and regulatory and interest-rate uncertainty. Highlights significantly outweighed the lowlights.
View all CH:UB5 earnings summaries