USB : NYSE : Financial
$51.56 up 1.05 | 2.08%
Today's Range: 51.42 - 52.01
Avg. Daily Volume: 6988300.0
04/24/17 - 4:00 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. 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 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 ($mil)2977.02738.0
Net Income ($mil)1473.01386.0


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)20319.011111.0
Total Assets ($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 Margin51.9650.99
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)1692.01732.01
Div / share0.280.26
EPS0.820.76
Book value / share28.2526.99
Institutional Own % n/a n/a
Avg Daily Volume7010647.07614253.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 23.41 for the Commercial Banks industry and a discount compared to the S&P 500 average of 24.92. Conducting a second comparison, its price-to-book ratio of 1.79 indicates a discount versus the S&P 500 average of 2.99 and a premium versus the industry average of 1.26. 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 15.31 Peers 23.41   USB NA Peers 7.49

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.

 

Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures.

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
USB 13.25 Peers 80.68   USB 2.07 Peers 1.37

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

USB is trading at a significant discount to 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 1.79 Peers 1.26   USB 4.41 Peers 6.94

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.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
USB 3.71 Peers 2.69   USB 6.71 Peers 4.72

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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