U.S. Bancorp.

U.S. Bancorp.

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Market Cap$98.36B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
U.S. Bancorp.U.S. Bancorp.13.23.29%12%2.41.4

Earnings Call Q2 2026

July 16, 2026 - AI Summary

Strong Q2 performance; broad-based growth and operating leverage - EPS: $1.35, up ~22% YoY. - Net revenue: $7.7B (record), up 10.1% YoY. - Operating leverage: +400 bps; efficiency ratio improved to 57.1%. - Returns: ROA 1.26%, ROTCE strong, ROTC E = 18.7% (return on tangible common equity). - Surprising/positive: revenue strength increasingly driving earnings growth (management emphasized revenue becoming a bigger driver of earnings vs. expense cuts).
Fee “complex” acceleration; BTIG meaningful and capital markets momentum - Fees were 44% of total revenue (fee mix improving quality/stability). - Total fee revenue: +13.2% YoY; BTIG added ~1 month at ~$98M of capital markets fee revenue. - Ex-BTIG fee growth: still ~9.9% YoY (suggesting underlying strength beyond the acquisition). - Cap markets ex-BTIG: up ~31% YoY (FX, syndications, corporate bond underwriting called out). - Strategy opportunity: management targets higher-40s % fees over time (aspiration to increase fee mix while holding efficiency discipline).
Net interest income/NIM improving but deposit cost “watch item” - NII (FTE): $4.4B, up 7.5% YoY; NII also up sequentially (+$96M / +2.2%). - NIM: 2.79%, up +2 bps sequentially. - Deposit dynamics: consumer deposits hit another record; commercial outflows seasonally expected (tax seasonality). - Cost/risk theme: deposit rates are expected to move depending on loan growth strength and competitive pricing environment; management implied deposits will matter for the path toward higher NIM.

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$67.80

Target Price by Analysts

5.2% upsideU.S. Bancorp. Target Price DetailsTarget Price
$181.37

Current Fair Value

181.3% upside

Undervalued by 181.3% based on the discounted cash flow analysis.

Share Statistics

Market cap$98.36 Billion
Enterprise Value$127.87 Billion
Dividend Yield$2.08 (3.29%)
Earnings per Share$4.62
Beta0.98
Outstanding Shares1,554,000,000

Return

Return on Equity12.12%ROE
Return on Assets1.13%
Return on Invested Capital1.48%

Valuation & Multiples

P/E Ratio13.24P/E Ratio
PEG66.37PEG
Price to Sales2.39Price to Sales
Price to Book Ratio1.5Price to Book Ratio
Enterprise Value to Revenue3.01
Enterprise Value to EBIT12.53
Enterprise Value to Net Income15
Total Debt to Enterprise0.75
Debt to Equity1.42Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
July 16, 2026
EPS Estimate
$1.28
Average shareholder expectation
Revenue Estimate
$7.58 B
Average shareholder expectation

Next Earnings Call

Expected Date
October 15, 2026
EPS Estimate
$1.32
Average shareholder expectation
Revenue Estimate
$7.96 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.0000▼ 98.80%
Total Calls-▼ 100.00%
Total Puts26,800▼ 99.53%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %1.88%▼ 78.24%
Total Invested$1.76B▼ 97.28%
Investors Holding457▼ 1577.00%

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.