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Upturn AI SWOT - About
USB 
U.S. Bancorp (USB)
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Upturn Advisory Summary
04/01/2025: USB (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 34.21% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 65.08B USD | Price to earnings Ratio 11.02 | 1Y Target Price 54.95 |
Price to earnings Ratio 11.02 | 1Y Target Price 54.95 | ||
Volume (30-day avg) 12320910 | Beta 1.04 | 52 Weeks Range 36.12 - 52.79 | Updated Date 04/1/2025 |
52 Weeks Range 36.12 - 52.79 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.74% | Basic EPS (TTM) 3.79 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.1% | Operating Margin (TTM) 35.01% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 11.02% |
Valuation
Trailing PE 11.02 | Forward PE 9.51 | Enterprise Value 92708495360 | Price to Sales(TTM) 2.59 |
Enterprise Value 92708495360 | Price to Sales(TTM) 2.59 | ||
Enterprise Value to Revenue 5.03 | Enterprise Value to EBITDA - | Shares Outstanding 1558009984 | Shares Floating 1554880214 |
Shares Outstanding 1558009984 | Shares Floating 1554880214 | ||
Percent Insiders 0.12 | Percent Institutions 82.31 |
Analyst Ratings
Rating 3.84 | Target Price 57.14 | Buy 5 | Strong Buy 8 |
Buy 5 | Strong Buy 8 | ||
Hold 12 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
U.S. Bancorp
Company Overview
History and Background
U.S. Bancorp traces its roots back to 1853. It has grown through numerous acquisitions and mergers, becoming one of the largest banking institutions in the United States.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and other financial services to businesses of all sizes.
- Consumer Banking: Offers a range of financial products and services to individuals, including checking and savings accounts, credit cards, mortgages, and investment products.
- Payment Services: Provides merchant processing, corporate payment systems, and card services to businesses and consumers.
- Wealth Management: Delivers investment management, trust services, and financial planning to high-net-worth individuals and families.
Leadership and Structure
The leadership team is headed by the CEO. The organizational structure includes various divisions responsible for different business lines and functions.
Top Products and Market Share
Key Offerings
- Checking Accounts: U.S. Bancorp offers a variety of checking accounts. Competitors include JPM, BAC, and WFC. Market share is competitive.
- Credit Cards: U.S. Bancorp offers various credit cards. Competitors include JPM, BAC, and AXP. Market share is competitive.
- Mortgage Loans: U.S. Bancorp provides mortgage loans for home purchases and refinancing. Competitors include Rocket Companies (RKT), LoanDepot (LDI), and major banks. Market share varies geographically.
- Commercial Lending: U.S. Bancorp offers commercial lending services to businesses. Competitors include JPM, BAC, and C. Market share varies by industry.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles.
Positioning
U.S. Bancorp is a well-established regional bank with a strong focus on customer service and risk management.
Total Addressable Market (TAM)
The TAM for U.S. banking is multi-trillion dollars. USB is positioned strongly in specific regional markets and business lines to capture a significant portion.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Solid credit quality
- Efficient operations
- Good reputation
Weaknesses
- Reliance on net interest income
- Limited international exposure
- Exposure to regional economic conditions
- Vulnerability to cyber threats
Opportunities
- Digital transformation
- Expanding wealth management business
- Acquisitions
- Increasing interest rates
- Growing demand for financial services
Threats
- Regulatory changes
- Economic downturn
- Increased competition from fintech companies
- Cybersecurity breaches
- Fluctuating interest rates
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corp. (BAC)
- Wells Fargo & Company (WFC)
- Citigroup Inc. (C)
Competitive Landscape
USB operates in a highly competitive market against major national banks. Its strengths include a strong regional presence and customer focus, but it faces challenges from larger competitors with greater resources and international reach.
Major Acquisitions
MUFG Union Bank's core regional banking franchise
- Year: 2022
- Acquisition Price (USD millions): 8000
- Strategic Rationale: Expanded U.S. Bancorp's presence in key markets and increased its customer base.
Growth Trajectory and Initiatives
Historical Growth: Requires specific year-based financial information which is variable based on the report's date.
Future Projections: Requires specific year-based financial information which is variable based on the report's date.
Recent Initiatives: Focusing on digital transformation and growing fee-based businesses.
Summary
U.S. Bancorp is a stable and well-managed regional bank with a strong focus on customer service and risk management. The acquisition of MUFG Union Bank significantly expanded its footprint. While it faces competition from larger national banks and fintech companies, its solid credit quality and efficient operations position it well for future growth. USB needs to focus on technology and growth opportunities, such as further acquisitions.
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Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Earnings Call Transcripts
- Market Research Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About U.S. Bancorp
Exchange NYSE | Headquaters Minneapolis, MN, United States | ||
IPO Launch date 1987-11-05 | Chairman & CEO Mr. Andrew J. Cecere | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 70263 | Website https://www.usbank.com |
Full time employees 70263 | Website https://www.usbank.com | ||
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, asset-backed lending, agricultural finance, 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.
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