U.S. Bancorp (USB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Capital One Financial Corp.

Bank of America Corp.

JPMorgan Chase & Co.

Credicorp Ltd.

Citigroup, Inc.

Citizens Financial Group, Inc. (Rhode Island)

U.S. Bancorp

Huntington Bancshares, Inc.

Wells Fargo & Co.

Regions Financial Corp.

The PNC Financial Services Group, Inc.

Why is U.S. Bancorp ?

Positive results in Jun 25

ROCE(HY) Highest at 1%
DIVIDEND PER SHARE(HY) Highest at USD 0
OPERATING PROFIT MARGIN(Q) Highest at 35.43 %

With ROA of 0.85%, it has a fair valuation with a 1.64 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 4.40%, its profits have risen by 15.5% ; the PEG ratio of the company is 1

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to U.S. Bancorp should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is U.S. Bancorp for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

U.S. Bancorp

39.79%

1.38

27.77%

S&P 500

16.26%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.85%

EBIT Growth (5y)

11.76%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

44.18%

Pledged Shares

Institutional Holding

86.37%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.71

EV to EBIT

14.33

EV to EBITDA

13.10

EV to Capital Employed

1.53

EV to Sales

4.32

PEG Ratio

0.81

Dividend Yield

284.34%

ROCE (Latest)

10.70%

ROE (Latest)

11.54%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

13What is working for the Company

ROCE(HY)

Highest at 1.15%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(Q)

Highest at 0.5%

NII(Q)

Highest at USD 4,361 MM

OPERATING PROFIT MARGIN(Q)

Highest at 36.44 %

PRE-TAX PROFIT(Q)

Highest at USD 2,720 MM

NET PROFIT(Q)

Highest at USD 2,177 MM

EPS(Q)

Highest at USD 1.35

-6What is not working for the Company

ROCE(HY)

Lowest at 1.15%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 38.54%

NET SALES(Q)

Lowest at USD 7,598 MM

Here's what is working for U.S. Bancorp

Credit Deposit Ratio

Highest at 0.5% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

NII

Highest at USD 4,361 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit Margin

Highest at 36.44 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 2,720 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 2,177 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.35

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for U.S. Bancorp

Non Performing Loans (%)

Highest at 0.5%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Net Sales

Lowest at USD 7,598 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Dividend Payout Ratio

Lowest at 38.54%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)

Capital Adequacy Ratio

Lowest at 12.2%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)