Stocktoria
US BANCORP DE USB
US BANCORP DE (USB) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 3.47% (safety: moderate). FY2025 revenue was $28.7B at a 26.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-07-29 | JP Morgan | Neutral (main) |
| 2026-07-20 | Evercore ISI Group | Outperform (up) |
| 2026-07-20 | JP Morgan | Neutral (up) |
| 2026-07-17 | Oppenheimer | Outperform (main) |
| 2026-07-17 | Stephens & Co. | Equal-Weight (main) |
| 2026-07-17 | Keefe, Bruyette & Woods | Market Perform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
| PNC | PNC FINANCIAL SERVICES GROUP, INC. | 4/9 | — | — | +7.2% |
| KEY | KEYCORP /NEW/ | 6/9 | — | 13.7 | +62.7% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| FHN | FIRST HORIZON CORP | 5/9 | — | 12.4 | +7.2% |
| WBS | WEBSTER FINANCIAL CORP | 7/9 | — | 12.1 | +11.9% |
| CFR | CULLEN/FROST BANKERS, INC. | 5/9 | — | 15 | +8.3% |
All Finance, Insurance & Real Estate companies →
About US BANCORP DE
U.S. 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 operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments. It offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, agricultural finance, asset-backed lending, and other products. The company also provides cash management, capital markets, and trust and investment management services; and ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers. In addition, it offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations; and investment and insurance products to its customers principally within its domestic markets, as well as fund administration services to mutual and other funds. Further, the company provides corporate and purchasing card, and corporate trust services; and credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage and leasing services. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.
FAQ
Is USB financially healthy?
US BANCORP DE's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does USB pay a dividend, and is it safe?
Yes. US BANCORP DE pays a dividend yielding about 3.47% with a 41.8% payout ratio, rated “moderate” for safety.
How profitable is USB?
In FY2025, US BANCORP DE had a net margin of 26.4% and a return on equity of 11.5%.
Is USB overvalued or undervalued?
US BANCORP DE trades at about 14.1× trailing earnings — above its 10-year norm (10-year range 11.4×–16.3×, median 12.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for USB?
The average Wall-Street price target for US BANCORP DE is $70.32, about 8.1% above the recent price, from 22 analysts (consensus: buy).
Is USB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on US BANCORP DE: a Piotroski F-score of 6/9, a P/E of about 12.1×, a dividend yield of 3.47%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.