U.S. Bancorp.
USB
Market Cap$69.75B
Close$
Earnings Call Q1 2025
April 16, 2025 - AI Summary
Earnings and Capital Strength: U.S. Bancorp reported Q1 2025 earnings per share of $1.03 with a return on tangible common equity of 17.5%. The CET1 capital ratio increased to 10.8%. The bank's net charge-off ratio improved modestly, reflecting strong credit quality and capital levels.
Positive Operating Leverage: The bank achieved a year-over-year positive operating leverage of 270 basis points on an adjusted basis for the third consecutive quarter, supported by disciplined expense management, fee income growth, and modest margin expansion.
Revenue Growth Outlook: For 2025, U.S. Bancorp expects total net revenue growth to be in the range of 3% to 5% compared to FY 2024. Non-interest income is projected to increase by mid-single digits, with a particular emphasis on building momentum in payments.
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$67.56
53% upside
Current Fair Value
53% upsideUndervalued by 53% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $69.75 Billion |
|---|---|
| Enterprise Value | $146.77 Billion |
| Dividend Yield | $1.99 (4.44494080857717%) |
| Earnings per Share | $3.79 |
| Beta | 1.02 |
| Outstanding Shares | 1,559,000,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 10.43 |
|---|---|
| PEG | 35.29 |
| Price to Sales | 2.32 |
| Price to Book Ratio | 1.16 |
| Enterprise Value to Revenue | 4.76 |
| Enterprise Value to EBIT | 21.63 |
| Enterprise Value to Net Income | 21 |
| Total Debt to Enterprise | 0.52 |
| Debt to Equity | 1.28 |
Revenue Sources
No data
Insider Trades
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...