U.S. Bancorp (USB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
U.S. Bancorp stock (USB) is currently trading at $51.89. U.S. Bancorp PE ratio is 11.29. U.S. Bancorp PS ratio (Price-to-Sales) is 3.07. Analyst consensus price target for USB is $63.95. WallStSmart rates USB as Moderate Buy.
U.S. Bancorp (USB) stock price prediction for 2030: Base case $132.01. Bull case $165.02. Bear case $99.01. See full USB 2030 price forecast and methodology on WallStSmart.
- USB PE ratio analysis and historical PE chart
- USB PS ratio (Price-to-Sales) history and trend
- USB intrinsic value — DCF, Graham Number, EPV models
- USB stock price prediction 2025 2026 2027 2028 2029 2030
- USB fair value vs current price
- USB insider transactions and insider buying
- Is USB undervalued or overvalued?
- U.S. Bancorp financial analysis — revenue, earnings, cash flow
- USB Piotroski F-Score and Altman Z-Score
- USB analyst price target and Smart Rating
U.S. Bancorp
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USB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · U.S. Bancorp (USB)
USB trades at a significant discount to its Graham intrinsic value of $214.00, offering a 76% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
U.S. Bancorp (USB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
U.S. Bancorp (USB) Key Strengths (6)
Keeps $39 of every $100 in revenue after operating costs
Keeps $29 of every $100 in revenue as net profit
83.19% of shares held by major funds and institutions
Large-cap company with substantial market presence
Trading at 1.36x book value, attractively priced
Strong earnings growth at 24.70% per year
Supporting Valuation Data
U.S. Bancorp (USB) Areas to Watch (4)
Modest revenue growth at 5.30%
Moderate profitability with room for improvement
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.07x sales
U.S. Bancorp (USB) Detailed Analysis Report
Overall Assessment
This company scores 75/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 5.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.36) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 39.30%, Profit Margin at 28.70%. Growth metrics are encouraging with EPS Growth at 24.70%.
The Bear Case
The primary concerns are Revenue Growth, Return on Equity, PEG Ratio. Some valuation metrics including PEG Ratio (1.80), Price/Sales (3.07) suggest expensive pricing. Growth concerns include Revenue Growth at 5.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 5.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
USB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
USB's Price-to-Sales ratio of 3.07x sits near its historical average of 3.04x (48th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 26% below its historical high of 4.13x set in Feb 2017, and 123% above its historical low of 1.38x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for U.S. Bancorp (USB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
U.S. Bancorp is a mature, profitable business with steady cash generation. Revenue reached 26.4B with 5% growth year-over-year. Profit margins are strong at 28.7%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 28.7% and operating margin of 39.3% demonstrate strong pricing power and operational efficiency.
Generating 2.8B in free cash flow and 2.8B in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 4.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact U.S. Bancorp.
Bottom Line
U.S. Bancorp is a well-established business delivering consistent profitability with 28.7% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(62 last 3 months)
| Insider | Type | Shares |
|---|---|---|
ROY, ARIJIT Sr. Exec. VP | Buy | +2,175 |
Data sourced from SEC Form 4 filings
Last updated: 10:00:58 AM
About U.S. Bancorp(USB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.