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Earnings transcript
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USB
U.S. Bancorp
$60.02
0.97
(1.64%)
| Exchange: | NYSE |
| Market Cap: | 93.514B |
| Shares Outstanding: | 189.444M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | Gunjan Kedia | |||||
| Full Time Employees: | 68520 | |||||
| Address: |
| |||||
| Website: | https://www.usbank.com |
U.S. Bancorp (USB) functions as a broad-based financial services holding company, delivering a comprehensive spectrum of banking and financial solutions throughout the United States. Its diverse customer base includes individual consumers, various businesses, institutional organizations, governmental bodies, and other financial entities. The company organizes its operations across key segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. Its offerings encompass fundamental depository services such as checking accounts, savings accounts, and time certificates. U.S. Bancorp also extends a variety of credit facilities, including traditional lending products, credit card services, lease financing, support for import/export trade, asset-backed lending, and agricultural finance. Furthermore, it provides supplementary services like capital markets access, treasury management, and receivable lock-box collection for its corporate and governmental clients. The firm also offers a full suite of asset management and fiduciary services designed for individuals, estates, foundations, corporations, and charitable organizations. Beyond these, the company supplies investment and insurance products, predominantly to customers within its operating regions, and delivers fund administration services to a range of mutual and other investment funds. Its portfolio also includes corporate and purchasing card services, corporate trust management, and merchant processing. U.S. Bancorp’s capabilities additionally span investment management, ATM network operation, mortgage banking, insurance provision, brokerage activities, and leasing services. As of December 31, 2021, the company distributed its products and services through a physical network of 2,230 banking branches, mainly concentrated in the Midwest and Western United States. Digital access was also extensively provided via online platforms, mobile devices, and other electronic channels. Additionally, it managed a network of 4,059 ATMs. Founded in 1863, U.S. Bancorp is headquartered in Minneapolis, Minnesota.
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Revenue Segmentation
USB full analysis
Hey everyone, welcome back to the channel where we break down stocks in plain English so you can make smarter investing decisions. Today we're diving deep into U.S. Bancorp, ticker USB, one of the major players in the banking sector. Let's kick things off with a quick overview of where the company stands right now. U.S. Bancorp has been showing solid momentum lately, with shares up over nine percent in the past month and nearly forty percent over the trailing…
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 40,624,000 | 42,712,000 | 42,861,000 |
| Gross Profit | 25,738,000 | 25,097,000 | 26,931,000 |
| EBITDA | 7,883,000 | 8,848,000 | 10,392,000 |
| Operating Income | 6,865,000 | 7,909,000 | 9,517,000 |
| Net Income | 5,429,000 | 6,299,000 | 7,576,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 663,491,000 | 678,318,000 | 692,345,000 |
| Total Liabilities | 607,720,000 | 619,278,000 | 626,694,000 |
| Total Stockholders Equity | 55,306,000 | 58,578,000 | 65,193,000 |
| Total Debt | 66,759,000 | 73,520,000 | 77,926,000 |
| Cash and Cash Equivalents | 61,192,000 | 56,502,000 | 46,890,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 8,447,000 | 11,273,000 | 0 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 8,447,000 | 11,273,000 | 0 |
| Net Income | 5,429,000 | 6,299,000 | 7,570,000 |
| Net Change in Cash | 7,650,000 | -4,690,000 | -56,502,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 53,370,198.396 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 54,678,684.301 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 54,074,597.776 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 11,026,944.623 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 11,368,331.771 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 11,210,727.713 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 8,458,960.605 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 8,729,642.365 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 8,604,680.005 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 16,681,575.343 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 17,090,560.261 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 16,901,744.870 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 5.530 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 5.610 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 5.440 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 5 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 10 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Strengths (preview)
- Structured financial reporting across income statements, balance sheet, and cash flow statements supports consistent tracking of revenue, net income, and free cash flow.
- Availability of product and geographic revenue segment data enables potential segmentation analysis for diversified operations.
- Forward P/E ratio estimates column provides a basis for future valuation assessment relative to current price.
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates USB intrinsic value between $23.64 – $47.57 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about USB valuation
Is U.S. Bancorp (USB) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for U.S. Bancorp (USB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is USB a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether USB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is USB’s P/E ratio?
You can see USB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for USB?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is USB a good long-term investment?
Whether USB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
USB
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Daily snapshot
1.64
Trading Metrics:
| Open: | 58.72 | Previous Close: | 59.05 | |
| Day Low: | 58.65 | Day High: | 60.03 | |
| Year Low: | 45.02 | Year High: | 66.08 | |
| Price Avg 50: | 60.5 | Price Avg 200: | 57.87 | |
| Volume: | 6.642M | Average Volume: | 8.219M |
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