U S BANCORP's gross profit margin for the third quarter of its fiscal year 2015 is essentially unchanged when compared to the same period a year ago. Sales and net income have grown, and although the growth in revenues has outpaced the average competitor within the industry, the net income growth has not.
At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 4.48% from the same quarter last year.
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|Income Statement||Q3 FY15||Q3 FY14|
|Net Sales ($mil)||5443.0||5299.0|
|Net Income ($mil)||1489.0||1471.0|
|Balance Sheet||Q3 FY15||Q3 FY14|
|Cash & Equiv. ($mil)||10450.0||6183.0|
|Total Assets ($mil)||415943.0||391284.0|
|Total Debt ($mil)||59419.0||60813.0|
|Profitability||Q3 FY15||Q3 FY14|
|Gross Profit Margin||88.41||87.24|
|Return on Assets||1.41||1.48|
|Return on Equity||12.52||12.92|
|Debt||Q3 FY15||Q3 FY14|
|Share Data||Q3 FY15||Q3 FY14|
|Shares outstanding (mil)||1753.6||1794.84|
|Div / share||0.26||0.25|
|Book value / share||25.7||24.04|
|Institutional Own %||n/a||n/a|
|Avg Daily Volume||8558489.0||6575583.0|
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.72 for the Commercial Banks industry and a discount compared to the S&P 500 average of 21.93. Conducting a second comparison, its price-to-book ratio of 1.72 indicates a discount versus the S&P 500 average of 2.77 and a premium versus the industry average of 1.14. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium.
|USB 13.97||Peers 17.72||USB 10.87||Peers 9.14|
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.
USB is trading at a discount to its peers.
Premium. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.
USB is trading at a premium to its peers.
|USB 12.87||Peers 11.97||USB NA||Peers 0.95|
Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.
USB is trading at a premium to its peers.
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.
Ratio not available.
|USB 1.72||Peers 1.14||USB 3.60||Peers 45.57|
Premium. A higher price-to-book ratio makes a stock less attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.
USB is trading at a significant premium to its peers.
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.
However, USB is expected to significantly trail its peers on the basis of its earnings growth rate.
|USB 3.61||Peers 2.63||USB 1.54||Peers -0.08|
Premium. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.
USB is trading at a significant premium to its industry.
Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.
USB has a sales growth rate that significantly exceeds its peers.
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