U.S. Bancorp (USB) Stock Analysis
Over the past 10 years, U.S. Bancorp (USB) earnings per share (EPS) grew 3.8% a year, revenue grew 7.3% a year and free cash flow declined 1.0% a year, with an average return on invested capital (ROIC) of 4.9%. USB stock trades at $58.38, a P/E of 11.4, in line with its historical average of 11.7. Analysts' average 12-month price target is $69.53 (+19.1%).
U.S. Bancorp (USB) functions as a broad-based financial services holding company, delivering a comprehensive spectrum of banking and financial solutions throughout the United States.
Exhibit A Growth Dossier
| Metric | 10yr | 5yr | 1yr | Grade |
|---|---|---|---|---|
| Book Value/Share GrowthBV/S | 4.9% | 3.6% | 4.7% | C |
| EPS GrowthEPS | 3.8% | 8.6% | 17.4% | B |
| Revenue GrowthRevenue | 7.3% | 11.2% | 3.4% | C+ |
| Cash Flow GrowthCash Flow | -1.0% | 16.5% | 65.5% | B+ |
| ROICROIC | 4.9% | 4.5% | 4.5% | C |
Exhibit B Valuation Ledger
- Current EPS
- $5.13
- Historical Avg P/E
- 11.7
- Future P/E (used for sticker price)
- Projected EPS (10yr)
- Sticker Price (10yr)
- Price for 15% Annual Return
- Expected Annual Return
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Not investment advice — a structured read of historical fundamentals, not a forecast or recommendation. Always do your own research.
Exhibit C Raw Data (last 10 years)
| Metric | Trend | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / ShareBV/S | $26.03 | $27.44 | $29.14 | $31.15 | $32.76 | $35.16 | $36.86 | $34.07 | $35.84 | $37.53 | $41.90 | $42.61 | |
| Basic EPSEPS | $3.18 | $3.25 | $3.53 | $4.15 | $4.16 | $3.06 | $5.11 | $3.69 | $3.27 | $3.79 | $4.62 | $5.13 | |
| RevenueRevenue | $21,195,000,000 | $22,424,000,000 | $23,663,000,000 | $25,775,000,000 | $27,325,000,000 | $25,241,000,000 | $23,714,000,000 | $27,401,000,000 | $40,624,000,000 | $42,712,000,000 | $42,861,000,000 | $43,988,000,000 | |
| Free Cash FlowCash Flow | $8,782,000,000 | $5,336,000,000 | $6,472,000,000 | $10,564,000,000 | $4,889,000,000 | $3,716,000,000 | $9,870,000,000 | $21,119,000,000 | $8,447,000,000 | $11,273,000,000 | $7,970,000,000 | $12,384,000,000 | |
| ROIC (%)ROIC | 4.9% | 5.3% | 5.4% | 5.8% | 5.2% | 4.0% | 6.8% | 3.9% | 3.6% | 4.0% | 4.5% | — |
The exact underlying data used to compute the growth rates and grades above. The highlighted TTM column is the trailing twelve months through the most recently reported quarter.
Ticker INVESTigator Price Target
Analyst Data
Price Target
Where the stock trades today vs. the range of 12-month price targets from covering analysts.
49 firms rate it — 1 strong buy, 24 buy, 22 hold, 2 sell · Most recent Oct 2026
USB Stock FAQ
What is USB's stock price target?
The average 12-month analyst price target for USB is $69.53, with a range of $64.00 to $76.00. That is +19.1% from the current price of $58.38.
Do analysts rate USB a buy?
Most rate it a buy. Of 49 firms covering U.S. Bancorp, the ratings are 25 buy or strong buy, 22 hold and 2 sell or strong sell.
How fast is U.S. Bancorp growing?
Annual growth rates for USB. EPS: 3.8% over 10 years, 8.6% over 5 years, 17.4% over 1 year. Revenue: 7.3% over 10 years, 11.2% over 5 years, 3.4% over 1 year. Free cash flow: -1.0% over 10 years, 16.5% over 5 years, 65.5% over 1 year. Book value per share: 4.9% over 10 years, 3.6% over 5 years, 4.7% over 1 year.
What is USB's ROIC?
U.S. Bancorp's return on invested capital (ROIC) was 4.5% in fiscal 2025. Its 10-year average ROIC is 4.9%. ROIC above 10% is generally a sign of a business with a durable competitive advantage.
What is USB's P/E ratio?
USB's current P/E ratio is 11.4, compared with a historical average of 11.7. Trailing earnings per share are $5.13.
What is U.S. Bancorp's market cap and stock price?
USB last traded at $58.38 as of October 19, 2026. Its 52-week range is $45.02 to $66.08. U.S. Bancorp has a market cap of $90.96B.
Exhibit D Related Coverage
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Data as of October 19, 2026. Findings are derived from historical fundamentals — not a forecast, not advice. Cross-examine before you invest.
Grades are produced by Ticker INVESTigator's own model from public financial data and are for informational and educational purposes only. They are not investment advice or a recommendation to buy or sell any security. Do your own research.