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U.S. Bancorp's published Hold conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.
| Market cap | $91.0B | |
|---|---|---|
| Revenue (ttm) | 27.9B | |
| Net income (ttm) | 8B | |
| EPS (ttm) | $5.14 | |
| Shares out | 1.6B | |
| P/E (trailing) | 11.6x | |
| P/E (forward) | 10.4x | |
| Dividend | $2.16 (3.63%) | |
| Volume | 3,964,053 | |
| Beta | 1.02 |
Recent price action with selectable time range.
| Item | P1 | P2 | P3 | P4 | P5 | Trend |
|---|---|---|---|---|---|---|
| Period | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Trend |
| Revenue | $23.71B | $24.30B | $28.14B | $27.46B | $28.66B | +4.8% |
| Gross profit | $23.89B | $22.21B | $25.74B | $25.10B | $26.93B | +3.0% |
| Operating income | $10.17B | $7.30B | $6.87B | $7.91B | $9.52B | -1.6% |
| Net income | $7.96B | $5.83B | $5.43B | $6.30B | $7.57B | -1.3% |
| EPS (diluted) | $5.10 | $3.69 | $3.27 | $3.79 | $4.62 | -2.4% |
| EBITDA | $10.66B | $7.86B | $7.88B | $8.85B | $10.29B | -0.9% |
| R&D | — | — | — | — | — | — |
| SG&A | $8.73B | $9.16B | $10.42B | $10.55B | $11.84B | +7.9% |
Recent company headlines from major financial publishers.
The base case represents the modal expected path, where fee expansion from payment systems and corporate acquisitions balances ongoing deposit funding competition. Core operating efficiency tracks normalized levels, and mid-single digit revenue growth supports steady earnings progression across the forecast horizon. Shares are evaluated at a Fair value of $56.46 with an upside of -4.8% relative to $59.33, supported by a probability weighting of 60.0% and an expected return of -4.8%. Disconfirmation would emerge if core operating margin fails to hold normalized thresholds or if deposit betas surge in upcoming fiscal quarters.
In the bull case, rapid inorganic accretion from capital markets and partner distribution ecosystems expands fee revenue beyond company expectations, while Midwestern commercial and consumer loan demand drives net interest margin toward management targets. Positive operating leverage widens operating margins, compounding earnings per share and enabling total capital return to accelerate once regulatory capital thresholds are reached. This scenario produces a Potential value of $70.22, representing a projected return of 18.4% from the analysis price of $59.33 with an assigned probability of 20.0%. The path would be disconfirmed if integration friction delays non-interest revenue growth or deposit competition caps asset spreads by the second half of next fiscal year.
| Ke ↓ / g → | 2.0% | 2.3% | 2.5% | 2.8% | 3.0% |
|---|---|---|---|---|---|
| 7.4% | $59.6 | $60.5 | $61.5 | $62.5 | $63.7 |
| 7.9% | $57.3 | $58.0 | $58.8 | $59.6 | $60.6 |
| 8.4% | $55.2 | $55.8 | $56.5 | $57.2 | $57.9 |
| 8.9% | $53.5 | $53.9 | $54.5 | $55.1 | $55.7 |
| 9.4% | $51.9 | $52.3 | $52.7 | $53.2 | $53.7 |
Upcoming earnings date and setup when available.
De rating die de gepubliceerde researcheditie van elke maand droeg. Een rating vergelijkt de koers op de analysedatum met de fair value; het is geen overzicht van of de inschatting juist bleek.
| Jaar | jan | feb | mrt | apr | mei | jun | jul | aug | sep | okt | nov | dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 |
