US Bancorp Stock Financials

USB Stock  USD 48.83  0.00  0.00%   
The current year Free Cash Flow is expected to grow to about 5.1 B, whereas Net Income Per Employee is forecasted to decline to about 91.3 K.
  
With this module, you can analyze US Bancorp financials for your investing period. You should be able to track the changes in US Bancorp individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.

US Bancorp Most Recent Estimates

Quarterly Earnings Growth
(0.11) 
EPS Estimate Next Quarter
1.11
Diluted Eps
4.19
EPS Estimate Current Year
4.4
EPS Estimate Next Year
4.98
Understanding current and past US Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of US Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in US Bancorp's assets may result in an increase in income on the income statement.

Revenues

20.95 Billion

The financial analysis of US Bancorp is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for US Bancorp includes many different criteria found on its balance sheet. For example, investors should never minimize US Bancorp's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor US Bancorp's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in US Bancorp.

US Bancorp Cash

Chance Of Financial Distress
Less than 37
US Bancorp has less than 37 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for US Bancorp stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in US Bancorp's official financial statements usually reflect US Bancorp's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of US Bancorp. For example, before you start analyzing numbers published by US Bancorp accountants, it's critical to develop an understanding of what US Bancorp's liquidity, profitability, and earnings quality are in the context of the Banks space in which it operates.
Please note, the presentation of US Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, US Bancorp's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in US Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of US Bancorp. Please utilize our Beneish M Score to check the likelihood of US Bancorp's management to manipulate its earnings.

US Bancorp Company Summary

US Bancorp competes with Ameris Bancorp, ACNB, Affinity Bancshares, Amalgamated Bank, and American National. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities and other financial institutions in the United States. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota. US Bancorp operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 70000 people.
Foreign Associate
  Mexico
Specialization
Financial Services, Banks-Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
CIK Number0000036104
ISINUS9029733048
RegionNorth America
Business Address800 Nicollet Mall,
SectorBanks
IndustryFinancials
BenchmarkNYSE Composite
Websitewww.usbank.com
Phone651 466 3000
CurrencyUSD - US Dollar
You should never invest in US Bancorp without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of US Bancorp Stock, because this is throwing your money away. Analyzing the key information contained in US Bancorp's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

US Bancorp Key Financial Ratios

Generally speaking, US Bancorp's financial ratios allow both analysts and investors to convert raw data from US Bancorp's financial statements into concise, actionable information that can be used to evaluate the performance of US Bancorp over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that US Bancorp reports annually and quarterly.

US Bancorp Key Balance Sheet Accounts

201820192020202120222023 (projected)
Long Term Debt36.76 B35.79 B37.02 B28.85 B25.97 B24.94 B
Total Assets467.37 B495.43 B553.9 B573.28 B515.96 B453.6 B
Cash and Equivalents21.45 B22.41 B62.58 B28.91 B26.01 B22.03 B
Shareholders Equity51.03 B51.85 B53.09 B54.92 B49.43 B44.98 B
Total Liabilities416.35 B443.57 B500.81 B518.37 B466.53 B408.62 B

US Bancorp Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what US Bancorp's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201820192020202120222023 (projected)
Net Income7.1 B6.91 B4.96 B7.96 B7.17 B6.24 B
Revenues25.77 B27.32 B25.24 B23.71 B21.34 B20.95 B

US Bancorp Key Cash Accounts

Cash flow analysis captures how much money flows into and out of US Bancorp. It measures of how well US Bancorp is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money US Bancorp brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money US Bancorp had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what US Bancorp has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201820192020202120222023 (projected)
Net Cash Flow from Financing361 M17.62 B51.9 B13.94 B12.55 B13.91 B
Net Cash Flow from Investing(8.98 B)(21.56 B)(15.44 B)(57.49 B)(66.11 B)(67.85 B)
Net Cash Flow from Operations10.56 B4.89 B3.72 B9.87 B11.35 B10.29 B

US Bancorp Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining US Bancorp's current stock value. Our valuation model uses many indicators to compare US Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across US Bancorp competition to find correlations between indicators driving US Bancorp's intrinsic value. More Info.
US Bancorp is rated first in current valuation category among related companies. It is rated below average in price to earnings to growth category among related companies . The ratio of Current Valuation to Price to Earnings To Growth for US Bancorp is about  103,836,436,592 . As of January 27, 2023, Earnings Before Interest Taxes and Depreciation Amortization EBITDA is expected to decline to about 6.8 B. In addition to that, Earnings before Tax is expected to decline to about 6.3 B. Comparative valuation analysis is a catch-all model that can be used if you cannot value US Bancorp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for US Bancorp's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the US Bancorp's earnings, one of the primary drivers of an investment's value.

US Bancorp Systematic Risk

US Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. US Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourty-nine with a total number of output elements of twelve. The Beta measures systematic risk based on how returns on US Bancorp correlated with the market. If Beta is less than 0 US Bancorp generally moves in the opposite direction as compared to the market. If US Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one US Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of US Bancorp is generally in the same direction as the market. If Beta > 1 US Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
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About US Bancorp Financials

What exactly are US Bancorp Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include US Bancorp's income statement, its balance sheet, and the statement of cash flows. Potential US Bancorp investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although US Bancorp investors may use each financial statement separately, they are all related. The changes in US Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on US Bancorp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as US Bancorp is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of US Bancorp has grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

US Bancorp Thematic Clasifications

US Bancorp is part of several thematic ideas from Top FinTech to Banks. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Top FinTech Idea
Top FinTechView
Banks Idea
BanksView
Dividend Beast Idea
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US Bancorp January 27, 2023 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of US Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of US Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of US Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing US Bancorp Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build US Bancorp's daily price indicators and compare them against related drivers.
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Is US Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of US Bancorp. If investors know US Bancorp will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about US Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.11) 
Market Capitalization
75.2 B
Quarterly Revenue Growth
(0.015) 
Return On Assets
0.0113
Return On Equity
14.0823
The market value of US Bancorp is measured differently than its book value, which is the value of US Bancorp that is recorded on the company's balance sheet. Investors also form their own opinion of US Bancorp's value that differs from its market value or its book value, called intrinsic value, which is US Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because US Bancorp's market value can be influenced by many factors that don't directly affect US Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between US Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine US Bancorp value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, US Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.