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Upturn AI SWOT - About
USB 
U.S. Bancorp (USB)
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Upturn Advisory Summary
08/14/2025: 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.
Number of Analysts
24 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $53.54
1 Year Target Price $53.54
| 9 | Strong Buy |
| 6 | Buy |
| 8 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.86% | Avg. Invested days 57 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 72.88B USD | Price to earnings Ratio 11.2 | 1Y Target Price 53.54 |
Price to earnings Ratio 11.2 | 1Y Target Price 53.54 | ||
Volume (30-day avg) 24 | Beta 1.03 | 52 Weeks Range 34.80 - 52.21 | Updated Date 08/15/2025 |
52 Weeks Range 34.80 - 52.21 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 4.29% | Basic EPS (TTM) 4.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-07-17 | When Before Market | Estimate 1.07 | Actual 1.1116 |
Profitability
Profit Margin 27% | Operating Margin (TTM) 37.33% |
Management Effectiveness
Return on Assets (TTM) 1.01% | Return on Equity (TTM) 11.67% |
Valuation
Trailing PE 11.2 | Forward PE 10.72 | Enterprise Value 100911349760 | Price to Sales(TTM) 2.85 |
Enterprise Value 100911349760 | Price to Sales(TTM) 2.85 | ||
Enterprise Value to Revenue 5.73 | Enterprise Value to EBITDA - | Shares Outstanding 1556189952 | Shares Floating 1551552008 |
Shares Outstanding 1556189952 | Shares Floating 1551552008 | ||
Percent Insiders 0.12 | Percent Institutions 83.55 |
Upturn AI SWOT
U.S. Bancorp
Company Overview
History and Background
U.S. Bancorp was founded in 1863 as the First National Bank of Cincinnati. It evolved through mergers and acquisitions, becoming a major player in the banking industry.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and other financial services to businesses of all sizes.
- Consumer Banking: Offers a range of deposit products, loans, and investment services to individuals and families.
- Payment Services: Provides payment processing services to merchants and financial institutions.
- Wealth Management & Investment Services: Offers financial planning, investment management, and trust services to high-net-worth individuals and institutions.
Leadership and Structure
The CEO is Andrew Cecere. The company operates with a hierarchical structure, with regional presidents and business line leaders reporting to the executive management team.
Top Products and Market Share
Key Offerings
- Credit Cards: Offers various credit cards with rewards programs and competitive interest rates. Market share data is not publicly released at a product level, but USB is a top 10 issuer in the US. Competitors include JPMorgan Chase (JPM), Bank of America (BAC), and Capital One (COF).
- Mortgages: Provides mortgage loans for home purchases and refinancing. Market share varies regionally. Competitors include Rocket Mortgage, Wells Fargo (WFC), and JPMorgan Chase (JPM).
- Small Business Loans: Offers loans and lines of credit to small businesses. The specific market share is not publicly available. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), and Wells Fargo (WFC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
U.S. Bancorp is positioned as a super-regional bank with a strong presence in the Midwest and West. Its competitive advantage lies in its strong customer relationships and efficient operations.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated at over $1 trillion annually. USB is positioned to capture a significant share of this market through its diverse product offerings and regional presence.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Efficient operations
- Diversified revenue streams
- Solid risk management practices
- High customer satisfaction
Weaknesses
- Limited international presence
- Reliance on interest rate income
- Lower technology investment than some competitors
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Growth in wealth management business
- Acquisition of smaller banks or fintech companies
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
Competitive Landscape
U.S. Bancorp competes with larger national banks and smaller regional banks. Its competitive advantage lies in its strong customer relationships and efficient operations.
Major Acquisitions
Union Bank
- Year: 2022
- Acquisition Price (USD millions): 8000
- Strategic Rationale: Expanded U.S. Bancorp's presence in California and other key markets.
Growth Trajectory and Initiatives
Historical Growth: U.S. Bancorp has grown steadily through organic growth and strategic acquisitions.
Future Projections: Analysts project moderate revenue and earnings growth for U.S. Bancorp over the next few years.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets through partnerships.
Summary
U.S. Bancorp is a well-managed super-regional bank with a strong brand and diversified revenue streams. Its efficient operations and focus on customer relationships are working well. It needs to be aware of increasing competition and interest rate risk, and it needs to invest more in tech to stay ahead of competitors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Market Data Providers
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on your own 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 | President, CEO & Director Ms. Gunjan Kedia | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 70000 | Website https://www.usbank.com |
Full time employees 70000 | 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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