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Upturn AI SWOT - About
USB 
U.S. Bancorp (USB)
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Upturn Advisory Summary
09/12/2025: USB (3-star) is a STRONG-BUY. BUY since 15 days. Simulated Profits (1.76%). Updated daily EoD!
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 $53.6
1 Year Target Price $53.6
| 9 | Strong Buy |
| 6 | Buy |
| 8 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 32.14% | Avg. Invested days 50 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 76.46B USD | Price to earnings Ratio 11.75 | 1Y Target Price 53.6 |
Price to earnings Ratio 11.75 | 1Y Target Price 53.6 | ||
Volume (30-day avg) 24 | Beta 1.07 | 52 Weeks Range 34.80 - 52.21 | Updated Date 09/14/2025 |
52 Weeks Range 34.80 - 52.21 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 4.06% | 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 - | When - | Estimate - | Actual - |
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 11.75 | Forward PE 10.13 | Enterprise Value 104490590208 | Price to Sales(TTM) 2.99 |
Enterprise Value 104490590208 | Price to Sales(TTM) 2.99 | ||
Enterprise Value to Revenue 5.86 | Enterprise Value to EBITDA - | Shares Outstanding 1556189952 | Shares Floating 1551583132 |
Shares Outstanding 1556189952 | Shares Floating 1551583132 | ||
Percent Insiders 0.12 | Percent Institutions 82.29 |
Upturn AI SWOT
U.S. Bancorp
Company Overview
History and Background
U.S. Bancorp traces its origins to the founding of Farmers and Mechanics Bank in 1853. Over the years, it has grown through numerous mergers and acquisitions, becoming one of the largest banking institutions in the United States.
Core Business Areas
- Commercial Banking: Provides a range of financial services to businesses, including lending, treasury management, and investment banking.
- Consumer Banking: Offers banking products and services to individuals, including checking and savings accounts, mortgages, credit cards, and personal loans.
- Payment Services: Provides payment processing services to merchants and financial institutions.
- Wealth Management and Investment Services: Offers investment management, financial planning, and trust services to individuals and institutions.
Leadership and Structure
The CEO of U.S. Bancorp is Andrew Cecere. The company has a hierarchical organizational structure with various divisions reporting to executive management.
Top Products and Market Share
Key Offerings
- Checking Accounts: U.S. Bancorp offers various checking accounts with different features and benefits. Market share data is not publicly available. Competitors include JPM, BAC, WFC, C.
- Mortgages: U.S. Bancorp provides mortgage lending services to homebuyers. Market share data is not publicly available. Competitors include RKT, LDI, UWMC, JPM.
- Credit Cards: U.S. Bancorp issues a range of credit cards with various rewards and benefits. Market share data is not publicly available. Competitors include AXP, DFS, COF, JPM.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. However, there are also opportunities for growth in areas such as digital banking and wealth management.
Positioning
U.S. Bancorp is a well-established regional bank with a strong presence in the Midwest and West Coast. It differentiates itself through its focus on customer service and its diversified business model.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is estimated to be in the trillions of dollars. U.S. Bancorp is well-positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Diversified business model
- Strong capital position
- Experienced management team
- Extensive branch network
Weaknesses
- Geographic concentration in the Midwest and West Coast
- Exposure to interest rate risk
- Dependence on traditional banking channels
- Lower digital adoption rates compared to fintech companies.
Opportunities
- Expansion into new geographic markets
- Growth in digital banking
- Acquisitions of smaller banks and fintech companies
- Increased demand for wealth management services.
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic slowdown
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
- PNC
Competitive Landscape
U.S. Bancorp competes with other large banks on price, service, and product offerings. It differentiates itself through its focus on customer service and its diversified business model.
Major Acquisitions
MUFG Union Bank
- Year: 2022
- Acquisition Price (USD millions): 8000
- Strategic Rationale: Expanded U.S. Bancorp's presence in California, Washington, and Oregon.
Growth Trajectory and Initiatives
Historical Growth: U.S. Bancorp has historically grown through organic expansion and acquisitions.
Future Projections: Analysts expect U.S. Bancorp to continue to grow its earnings at a moderate pace in the coming years.
Recent Initiatives: Recent strategic initiatives include investments in digital banking and expansion into new markets.
Summary
U.S. Bancorp is a strong, diversified bank with a solid track record. It is benefiting from its investments in digital banking and its expansion into new markets. However, it faces challenges from rising interest rates, increased regulatory scrutiny and competition. The acquisition of Union Bank will allow USB to grow quicker, but only time will tell if they will get good returns on that capital.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice.
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 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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