US Bancorp (USB) stock
USBNYSENational Commercial BanksFiscal year ends December 31Also trades as USB.PA, USB.PH, USB.PP, USB.PQ, USB.PR, USB.PS
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 16/305% above fair value
$60.47−0.23 (-0.38%)
Close on Nov 12, 2026Market cap $94.22BP/E 11.8Yield 3.37%
US Bancorp statistics
85 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 19, 2027 (estimated, before the open)
- Last ex-dividend date
- Sep 30, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.97
- 1.52
- P/OCF Ratio
- 7.28
- 9.79
Enterprise valuationIndustry
- EV / Sales
- 2.18
- 2.94
Share statisticsIndustry
- Shares Change (YoY)
- -0.21%
- 0.35%
- Float
- 1.55B
- 17M
- Shares Held by Insiders
- 0.22%
- 6.05%
- Shares Held by Institutions
- 82.2%
- 61.3%
Short sellingIndustry
- Short Interest
- 26M
- –
- Short Interest Change
- -0.09%
- -4.13%
- Short % of Float
- 1.65%
- 3.58%
- Short % of Shares Outstanding
- 1.65%
- 3.18%
- Days to Cover
- 3.49
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $66.08
- –
- 52-Week Low
- $45.02
- –
- 20-Day Moving Average
- $59.85
- –
- 50-Day Moving Average
- $59.54
- –
- 200-Day Moving Average
- $58.28
- –
- Average True Range (14)
- $1.31
- –
- Price Change (1 Week)
- 1.21%
- -1.39%
- Price Change (1 Month)
- 7.48%
- 4.46%
- Price Change (3 Months)
- -7.57%
- -3.31%
- Price Change (6 Months)
- 13.2%
- 11.6%
- Price Change (YTD)
- 13.3%
- 19.9%
- Price Change (1 Year)
- 27.0%
- 26.0%
- Price Change (3 Years)
- 77.9%
- 77.4%
- Price Change (5 Years)
- -0.05%
- 26.4%
- Price Change (10 Years)
- 26.2%
- 67.6%
- Average Volume (10 Days)
- 7M
- –
- Average Volume (20 Days)
- 7M
- –
- Average Volume (90 Days)
- 7M
- –
- Relative Volume
- 0.57
- 0.62
- Relative Strength Index (14)
- 54.4
- 53.1
- Volatility (1 Year)
- 22.5%
- 24.4%
- Beta (5 Years)
- 1.05
- 0.63
MarginsIndustry
- Pretax Margin
- 34.5%
- 36.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.9%
- 10.8%
- Return on Assets (ROA)
- 1.20%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.32
- 0.21
GrowthIndustry
- Revenue Growth (YoY)
- 7.19%
- 11.8%
- Net Income Growth (YoY)
- 16.4%
- 23.2%
- EPS Growth (YoY)
- 17.4%
- 21.9%
- Revenue Growth (3Y CAGR)
- 5.65%
- 5.82%
- Revenue Growth (5Y CAGR)
- 4.29%
- 6.17%
- EPS Growth (3Y CAGR)
- 7.78%
- 1.31%
- EPS Growth (5Y CAGR)
- 8.59%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $442.72K
- $360.35K
- Profits Per Employee
- $122.14K
- $110.51K
- Employee Count
- 68,520
- 492
- WACC
- 9.28%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $10.47B
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $28.48B
- $166.15M
- Net Cash Per Share
- $18.28
- $8.19
- Equity (Book Value)
- $66.43B
- $570.13M
- Book Value Per Share
- $42.63
- $28.22
- Tangible Book Value
- $47.88B
- $478.27M
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 8.88%
- 8.32%
- Dividend Yield
- 3.37%
- 2.45%
- Buyback Yield
- 0.58%
- 1.79%
- Shareholder Yield
- 3.96%
- 3.21%
- Dividend Per Share
- $2.04
- $0.92
- Dividend Growth (YoY)
- 3.03%
- 4.26%
- Years of Dividend Growth
- 15
- 2
- Payout Ratio
- 38.9%
- 29.0%
Taxes and interestIndustry
- Income Tax
- $2.08B
- $16.14M
- Effective Tax Rate
- 19.9%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $70.15
- $45.31
- Graham Upside
- 16.0%
- 18.8%
- Altman Z-Score
- 0.30
- 0.22
- Piotroski F-Score
- 7
- 6
- Lynch Fair Value
- $44.06
- –
- Lynch Upside
- -27.1%
- -0.72%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | USB | S&P 500 | Difference | USB per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +5.3% | -2.7% | +8.0 pts | ||
| 3 months | -6.1% | -1.7% | −4.4 pts | ||
| Year to date | +16.6% | +11.9% | +4.7 pts | ||
| 1 year | +31.1% | +12.0% | +19.1 pts | ||
| 3 years | +100.9% | +78.2% | +22.7 pts | +26.2% | +21.2% |
| 5 years | +24.5% | +73.2% | −48.7 pts | +4.5% | +11.6% |
| 10 years | +82.9% | +309.6% | −226.8 pts | +6.2% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
26M USB shares were sold short on Oct 30, 2026, down 0.1% from the previous report, or 1.65% of the shares available to trade. At recent volumes it would take 3.5 days to buy them back. Over the last 20 sessions, 53.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 25,712,972 | -0.1% | 7,364,733 | 3.5 |
| Oct 15, 2026 | 25,736,182 | -0.9% | 8,249,802 | 3.1 |
| Sep 30, 2026 | 25,960,020 | +8.3% | 9,264,661 | 2.8 |
| Sep 15, 2026 | 23,976,928 | -4.4% | 6,240,907 | 3.8 |
| Aug 31, 2026 | 25,080,410 | -1.0% | 6,506,640 | 3.9 |
| Aug 14, 2026 | 25,345,765 | -5.1% | 5,754,660 | 4.4 |
| Jul 31, 2026 | 26,708,424 | +7.8% | 9,165,348 | 2.9 |
| Jul 15, 2026 | 24,772,569 | +4.7% | 7,220,824 | 3.4 |
| Jun 30, 2026 | 23,654,933 | -13.3% | 11,441,584 | 2.1 |
| Jun 15, 2026 | 27,288,450 | +7.6% | 9,100,209 | 3.0 |
| May 29, 2026 | 25,361,632 | +12.0% | 7,045,039 | 3.6 |
| May 15, 2026 | 22,649,578 | -13.7% | 9,162,108 | 2.5 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
See a number that looks wrong?