U.S. Bancorp.

U.S. Bancorp.

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Market Cap$85.14B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
U.S. Bancorp.U.S. Bancorp.10.93.76%12%2.11.2

Earnings Call Q1 2026

April 16, 2026 - AI Summary

Solid Earnings Growth: U.S. Bancorp reported Q1 2026 earnings per share (EPS) of $1.18, representing a 15% year-over-year increase. Total net revenue rose 4.7% to $7.3 billion, driven by robust loan growth in commercial lending and credit card sectors, alongside record consumer deposits.
Strong Loan Growth & Margin Stability: Average loans increased 3.8% year-over-year, with notable growth in credit cards and commercial real estate, suggesting healthy demand for business credit. The net interest income grew 4.1% year-over-year, though the margin remained flat at 2.77%. There's optimism regarding future margin expansion, with a target of reaching 3% by 2027.
Cost Management & Operating Leverage: The bank achieved a positive operating leverage of 440 basis points, improving its efficiency ratio by 260 basis points year-over-year. This marks the seventh consecutive quarter with positive operating leverage, indicating effective cost management despite ongoing investments in technology and marketing.

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$64.10

Target Price by Analysts

20.6% upsideU.S. Bancorp. Target Price DetailsTarget Price
$162.01

Current Fair Value

204.9% upside

Undervalued by 204.9% based on the discounted cash flow analysis.

Share Statistics

Market cap$85.14 Billion
Enterprise Value$115.94 Billion
Dividend Yield$2.06 (3.76%)
Earnings per Share$4.62
Beta1.02
Outstanding Shares1,554,000,000

Return

Return on Equity11.87%ROE
Return on Assets1.11%
Return on Invested Capital4.83%

Valuation & Multiples

P/E Ratio10.91P/E Ratio
PEG79.01PEG
Price to Sales2.13Price to Sales
Price to Book Ratio1.27Price to Book Ratio
Enterprise Value to Revenue2.96
Enterprise Value to EBIT15.49
Enterprise Value to Net Income14
Total Debt to Enterprise0.68
Debt to Equity1.2Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
April 16, 2026
EPS Estimate
$1.14
Average shareholder expectation
Revenue Estimate
$7.28 B
Average shareholder expectation

Next Earnings Call

Expected Date
July 16, 2026
EPS Estimate
$1.24
Average shareholder expectation
Revenue Estimate
$7.53 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.9880▼ 33.55%
Total Calls5,791,693▼ 18.54%
Total Puts5,722,461▼ 39.19%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %80.10%▼ 3.07%
Total Invested$64.74B▼ 35.65%
Investors Holding2,022▼ 50.00%

ESG Score

No data

About U.S. Bancorp.

2,020 employees
CEO: Andrew Cecere

U.S. Bancorp, with nearly 70,000 employees and $554 billion in assets as of Dec. 31, 2020, is the parent company of U.S. Bank National Association, the fifth-largest commercial bank in the United States. The Minneapolis-based bank blends...

Relevant Senate Committees

Joint Committee on Taxation

This committee's role in providing official revenue estimates and technical expertise for tax legislation directly influences the corporate tax structures and overall tax burden on U.S. Bancorp, acting as a gatekeeper for fiscal policy.

Finance

As the primary committee for taxation, trade, and entitlement spending, this committee directly impacts U.S. Bancorp's profitability and corporate valuations through significant tax policy decisions.

Banking, Housing, and Urban Affairs

This is the primary committee regulating the financial system, including the Federal Reserve and SEC. It directly influences bank capital requirements, cryptocurrency regulation, and real estate markets, which are core to U.S. Bancorp's business model.