USB : NYSE : Financial
$52.04 | %
Today's Range: 51.59 - 52.075
Avg. Daily Volume: 7869500.0
12/09/16 - 4:01 PM ET

Financial Analysis


U S BANCORP's gross profit margin for the third quarter of its fiscal year 2016 is essentially unchanged when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has increased by 5.95% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)5765.05443.0
EBITDA ($mil)3154.03051.0
EBIT ($mil)3037.02933.0
Net Income ($mil)1502.01489.0


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)23873.010450.0
Total Assets ($mil)454134.0415943.0
Total Debt ($mil)53673.059419.0
Equity ($mil)47759.045075.0


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin86.9688.41
EBITDA Margin54.756.05
Operating Margin52.6853.89
Sales Turnover0.050.05
Return on Assets1.291.41
Return on Equity11.7612.52
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.530.57
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)1704.831753.6
Div / share0.280.26
EPS0.840.81
Book value / share28.0125.7
Institutional Own % n/a n/a
Avg Daily Volume7479588.06358226.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 16.61 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 25.16. Conducting a second comparison, its price-to-book ratio of 1.74 indicates a discount versus the S&P 500 average of 2.79 and a premium versus the industry average of 1.15. 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 15.07 Peers 16.61   USB 14.46 Peers 11.47

Average. An average P/E ratio can signify an industry neutral price for a stock and an average growth expectation.

USB is trading at a valuation on par with 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 significant premium 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 14.32 Peers 13.73   USB 5.96 Peers 2.02

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 1.74 Peers 1.15   USB 2.21 Peers -41.47

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 significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
USB 3.70 Peers 2.76   USB 4.49 Peers 4.31

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.

 

Average. Comparing a company's sales growth to its industry helps to determine if the company is adding or losing market share.

USB is keeping pace with its peers on the basis of sales growth.

 

 

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