Market Price

42.90 

-2.29 -5.1%

as of Jan 27 '21

52 Week Range:

28.36 55.69


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

U.S. Bancorp, a financial services holding company, provides various financial services in the United States. It operates in five segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; lending services, such as traditional credit products; and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products, as well as home equity, auto, boat, RV, personal loans, and personal line of credit. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. In addition, the company offers investment and insurance products to its customers principally within its markets, as well as fund administration services to a range of mutual and other funds. Further, it provides corporate and purchasing card, and corporate trust services; and merchant processing services, as well as cash and investment management, ATM processing, mortgage banking, and brokerage and leasing services. The company offers its products and services through operating a network of 2,795 banking offices principally operating in the Midwest and West regions of the United States, as well as through online services and over mobile devices. It also operates a network of 4,459 ATMs. The company has a strategic alliance with State Farm Bank. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Oct '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 14.36
16.04
18.31
19.39
21.49
23.10
24.90
26.16
27.60
30.98
growth rate 11.7% 14.2% 5.9% 10.8% 7.5% 7.8% 5.1% 5.5% 12.3%
Earnings BIT 4,200.00
6,630.00
7,730.00
7,760.00
8,983.00
8,974.00
9,122.00
8,620.00
growth rate 57.9% 16.6% 0.4% 15.8% -0.1% 1.7% -5.5%
Avg.PE 15.55
11.01
11.25
13.46
14.50
12.98
17.01
15.20
12.41
13.58
14.99
growth rate -29.2% 2.2% 19.6% 7.7% -10.5% 31.1% -10.6% -18.4% 9.4% 10.4%
ROA 1.13
1.46
1.55
1.55
1.46
1.36
1.29
1.30
1.46
1.37
growth rate 29.2% 6.2% 0.0% -5.8% -6.9% -5.2% 0.8% 12.3% -6.2%
ROE 12.80
16.01
16.41
15.73
14.87
14.13
13.56
13.84
15.30
14.48
growth rate 25.1% 2.5% -4.1% -5.5% -5.0% -4.0% 2.1% 10.6% -5.4%
ROIC 5.93
7.05
7.68
7.99
7.20
growth rate 18.9% 8.9% 4.0% -9.9%
Leverage 11.16
10.84
10.34
10.01
10.40
10.38
10.67
10.59
10.38
10.80
growth rate -2.9% -4.6% -3.2% 3.9% -0.2% 2.8% -0.8% -2.0% 4.1%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Oct '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Payable 282,733.00
300,400.00
334,590.00
347,215.00
345,475.00
361,916.00
429,770.00
growth rate 6.3% 11.4% 3.8% -0.5% 4.8% 18.8%
Cur.Assets 17,143.00
16,223.00
23,066.00
25,319.00
25,592.00
30,986.00
71,415.00
growth rate -5.4% 42.2% 9.8% 1.1% 21.1% 130.5%
Total Assets 307,786.00
340,122.00
353,855.00
364,021.00
402,529.00
421,853.00
445,964.00
462,040.00
467,374.00
495,426.00
553,905.00
growth rate 10.5% 4.0% 2.9% 10.6% 4.8% 5.7% 3.6% 1.2% 6.0% 11.8%
Cash 14,487.00
84,776.00
82,780.00
88,332.00
8,654.00
8,947.00
12,705.00
16,405.00
18,353.00
19,205.00
62,580.00
growth rate 485.2% -2.4% 6.7% -90.2% 3.4% 42.0% 29.1% 11.9% 4.6% 225.9%
Inventory 342.00
331.00
235.00
192.00
172.00
137.00
74.00
growth rate -3.2% -29.0% -18.3% -10.4% -20.4% -46.0%
Cur.Liabilities 313,998.00
329,879.00
350,227.00
365,103.00
360,463.00
386,868.00
441,536.00
growth rate 5.1% 6.2% 4.3% -1.3% 7.3% 14.1%
Liabilities 278,267.00
306,144.00
314,857.00
322,908.00
358,361.00
375,036.00
398,031.00
412,374.00
415,717.00
442,943.00
500,180.00
growth rate 10.0% 2.9% 2.6% 11.0% 4.7% 6.1% 3.6% 0.8% 6.6% 12.9%
LT Debt 2,010.00
2,011.00
2,012.00
2,013.00
30,963.00
31,578.00
33,323.00
32,259.00
41,340.00
40,093.00
41,297.00
growth rate 0.1% 0.1% 0.1% 1,438.2% 2.0% 5.5% -3.2% 28.2% -3.0% 3.0%
Equity 29,519.00
33,978.00
38,998.00
41,113.00
38,723.00
40,630.00
41,797.00
43,621.00
45,045.00
45,869.00
47,112.00
growth rate 15.1% 14.8% 5.4% -5.8% 4.9% 2.9% 4.4% 3.3% 1.8% 2.7%
Common Shares 1,921.00
1,923.00
1,896.00
1,849.00
1,813.00
1,772.00
1,724.00
1,683.00
1,638.00
1,583.00
21.00
growth rate 0.1% -1.4% -2.5% -2.0% -2.3% -2.7% -2.4% -2.7% -3.4% -98.7%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Oct '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 0.00 0.00 0.00
growth rate
Cash Dividends 472.00
935.00
1,551.00
1,830.00
1,969.00
2,019.00
2,077.00
2,212.00
2,366.00
2,745.00
growth rate 98.1% 65.9% 18.0% 7.6% 2.5% 2.9% 6.5% 7.0% 16.0%
Cash From OA 5,241.00
9,820.00
7,958.00
11,446.00
5,332.00
8,782.00
5,336.00
6,472.00
10,564.00
4,889.00
growth rate 87.4% -19.0% 43.8% -53.4% 64.7% -39.2% 21.3% 63.2% -53.7%
FCF per Share 2.73
5.81
4.20
6.85
3.98
3.99
3.32
5.16
4.69
4.76
growth rate 112.8% -27.7% 63.1% -41.9% 0.3% -16.8% 55.4% -9.1% 1.5%
Sale Purchase of Stock 342.00
702.00
-1,771.00
453.00
295.00
355.00
159.00
growth rate 105.3% -100.0% 100.0% -34.9% 20.3% -55.2%
FCF 5,241.00
9,820.00
7,958.00
11,446.00
5,332.00
8,782.00
5,336.00
6,472.00
10,564.00
4,889.00
growth rate 87.4% -19.0% 43.8% -53.4% 64.7% -39.2% 21.3% 63.2% -53.7%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Oct '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 17,939.00
21,399.00
22,202.00
21,059.00
18,197.00
18,524.00
19,211.00
19,883.00
20,813.00
21,140.00
19,420.00
growth rate 19.3% 3.8% -5.2% -13.6% 1.8% 3.7% 3.5% 4.7% 1.6% -8.1%
Op.Income 4,200.00
4,872.00
5,647.00
5,836.00
8,194.00
8,204.00
8,284.00
7,692.00
8,839.00
8,762.00
6,227.00
growth rate 16.0% 15.9% 3.4% 40.4% 0.1% 1.0% -7.2% 14.9% -0.9% -28.9%
IBT 4,200.00
6,629.00
7,726.00
7,764.00
7,995.00
8,030.00
8,105.00
7,517.00
8,678.00
8,594.00
6,051.00
growth rate 57.8% 16.6% 0.5% 3.0% 0.4% 0.9% -7.3% 15.4% -1.0% -29.6%
Net Income 3,317.00
4,872.00
5,647.00
5,836.00
5,851.00
5,879.00
5,888.00
6,218.00
7,096.00
6,914.00
4,959.00
growth rate 46.9% 15.9% 3.4% 0.3% 0.5% 0.2% 5.6% 14.1% -2.6% -28.3%
EPS 1.73
2.46
2.84
3.00
3.08
3.16
3.24
3.51
4.14
4.16
growth rate 42.2% 15.5% 5.6% 2.7% 2.6% 2.5% 8.3% 18.0% 0.5%
Gross Profit 18,197.00
18,524.00
19,211.00
19,883.00
20,813.00
21,140.00
19,420.00
growth rate 1.8% 3.7% 3.5% 4.7% 1.6% -8.1%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT
growth rate
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Payable 361,916.00
394,854.00
413,306.00
413,217.00
429,770.00
growth rate 9.1% 4.7% 0.0% 4.0%
Cur.Assets 30,986.00
57,093.00
66,219.00
57,122.00
71,415.00
growth rate 84.3% 16.0% -13.7% 25.0%
Total Assets 495,426.00
542,909.00
546,652.00
540,455.00
553,905.00
growth rate 9.6% 0.7% -1.1% 2.5%
Cash 19,205.00
46,805.00
52,392.00
44,047.00
62,580.00
growth rate 143.7% 11.9% -15.9% 42.1%
Inventory 137.00
131.00
102.00
89.00
74.00
growth rate -4.4% -22.1% -12.8% -16.9%
Cur.Liabilities 386,868.00
422,907.00
435,145.00
428,045.00
441,536.00
growth rate 9.3% 2.9% -1.6% 3.2%
Liabilities 442,943.00
490,747.00
494,172.00
487,260.00
500,180.00
growth rate 10.8% 0.7% -1.4% 2.7%
LT Debt 40,093.00
52,298.00
42,579.00
42,443.00
41,297.00
growth rate 30.4% -18.6% -0.3% -2.7%
Equity 45,869.00
45,548.00
45,866.00
46,581.00
47,112.00
growth rate -0.7% 0.7% 1.6% 1.1%
Common Shares 21.00
21.00
21.00
21.00
21.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures
growth rate
Cash Dividends 742.00
718.00
714.00
707.00
growth rate -3.2% -0.6% -1.0%
Cash From OA -62.00
2,354.00
-853.00
3,284.00
growth rate 100.0% -100.0% 100.0%
Sale Purchase of Stock
growth rate
FCF
growth rate
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 5,163.00
4,714.00
4,031.00
5,259.00
5,284.00
growth rate -8.7% -14.5% 30.5% 0.5%
Op.Income 1,891.00
1,581.00
881.00
2,026.00
2,016.00
growth rate -16.4% -44.3% 130.0% -0.5%
IBT 1,847.00
1,439.00
759.00
1,933.00
1,920.00
growth rate -22.1% -47.3% 154.7% -0.7%
Net Income 1,486.00
1,171.00
689.00
1,580.00
1,519.00
growth rate -21.2% -41.2% 129.3% -3.9%
EPS
growth rate
Gross Profit 5,163.00
4,714.00
4,031.00
5,259.00
5,284.00
growth rate -8.7% -14.5% 30.5% 0.5%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (4.55)

YOY Growth Grade:

E (30.99)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.99 14.02 10.95
EPS / Growth 8.2% 3.06 3.8%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 3.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.0% 3.4% 3.4%
Future PE 5.96 10.89 10.89
Future EPS 4.10 4.26 4.26
Value Price
MOS %
6.05
-85.9%
11.46
-73.3%
11.46
-73.3%
MOS Price 3.02 5.73 5.73
IRT 11.59 11.36 11.36

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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