US Bancorp (1USB) Price & Analysis
1USB Stock Chart & Stats
- Day’s Range
- EUR 53.30 - EUR 53.70
- 52-Week Range
- EUR 25.00 - EUR 84.00
- Previous Close
- EUR 54.32
- Volume
- 0
- Average Volume (3M)
- 3
- Market Cap
- EUR 82.66B
- Enterprise Value
- EUR 120.84B
- Total Cash (Recent Filing)
- EUR 202.67B
- Total Debt (Recent Filing)
- EUR 73.04B
- Price to Earnings (P/E)
- 11.6
- Beta
- 0.75
- Next Earnings
- Jan 19, 2027
- EPS Estimate
- 1.25
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.46%
Bulls Say, Bears Say
Bulls Say
Diversified Fee Revenue
A large and growing fee contribution reduces reliance on spread income and gives U.S. Bancorp multiple ways to monetize customer relationships. Broad-based fee expansion across payments, wealth, treasury and capital markets can support more resilient revenue through changing interest-rate conditions.
Payments And Small-business Franchise
The combination of payments, banking and cash-management services creates relationship depth with a substantial small-business customer base. Continued product expansion and corporate-payment growth can improve retention, cross-selling and recurring fee generation over the next several quarters.
Improving Profitability And Cash Generation
Healthy profitability and a rebound in operating and free cash flow indicate that earnings are translating into internally generated funds. This supports investment in technology, branches and growth initiatives while providing capacity to build capital and maintain shareholder distributions.
Bears Say
Rising Leverage
Higher leverage increases the balance sheet’s sensitivity to credit, funding and interest-rate stress, even though leverage is common in banking. If debt continues rising faster than equity or cash generation, financial flexibility and capacity to absorb adverse conditions could weaken.
Capital Pressure And CET1 Decline
The decline in AOCI-adjusted CET1 and higher risk-weighted assets show that growth is consuming capital. Continued expansion, regulatory changes or rate-related valuation effects could delay buybacks and constrain capital allocation until retained earnings rebuild additional flexibility.
Expense Growth And Investment Burden
Expense growth close to overall revenue growth leaves less room for incremental margin expansion, particularly while the company funds BTIG, technology, marketing and other initiatives. Productivity gains must persist for investment spending to translate into durable earnings growth.
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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
- 70,000
- Website
- www.usbank.com
- Address
- 800 Nicollet Mall, Minneapolis, MN, 55402, US
US Bancorp (1USB) Earnings & Revenues
1USB Company Deck
1USB 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 IT:1USB earnings summaries1USB Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 4 | 5 |
| Technical Analysis | 3 | 4 | 3 |
| Moving Averages | 10 | 0 | 2 |