USB : NYSE : Financial
$50.77 | %
Today's Range: 50.575 - 51.4401
Avg. Daily Volume: 6493500.0
06/23/17 - 4:01 PM ET

Financial Analysis


U S BANCORP's gross profit margin for the first quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. The company has grown sales and net income during the past quarter when compared with the same quarter a year ago, however, it was unable to keep up with the growth of the average competitor within its industry.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 2.23% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)5729.05370.0
EBITDA ($mil)2977.02857.0
EBIT ($mil)2860.02738.0
Net Income ($mil)1473.01386.0


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)20440.011111.0
Total Assets ($mil)449522.0428638.0
Total Debt ($mil)48131.058649.0
Equity ($mil)47798.046755.0


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin86.0486.67
EBITDA Margin51.9653.2
Operating Margin49.9250.99
Sales Turnover0.050.05
Return on Assets1.321.36
Return on Equity11.9511.94
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.50.56
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)1691.771732.01
Div / share0.280.26
EPS0.820.76
Book value / share28.2526.99
Institutional Own % n/a n/a
Avg Daily Volume6478259.06744605.0

Valuation


BUY. U S BANCORP's P/E ratio indicates a significant discount compared to an average of 41.96 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 25.75. Conducting a second comparison, its price-to-book ratio of 1.82 indicates a discount versus the S&P 500 average of 3.09 and a premium versus the industry average of 1.25. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
USB 15.50 Peers 41.96   USB 11.92 Peers 13.73

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

USB is trading at a significant discount to its peers.

 

Discount. 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 discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
USB 13.50 Peers 13.60   USB 2.19 Peers 1.59

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

USB is trading at a valuation on par with its peers.

 

Premium. 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.

USB trades at a significant premium to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
USB 1.82 Peers 1.25   USB 4.41 Peers 3.84

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.

 

Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

USB is expected to have an earnings growth rate that exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
USB 3.76 Peers 2.84   USB 6.71 Peers 4.97

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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