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U.S. Bancorp
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
Weak signals across every dimension
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Data: SEC EDGAR filings · prices Marketstack · estimates Finnhub · updated 11 Jul 2026, 02:29 UTC
1 of 5 met · composite in line with peers
Business quality, valuation against the sector, and position in the 52-week range — whether they line up or not.
Stable quality
2 signals unavailable
Profitability
4/4
Debt & liquidity
2/3
Efficiency
1/2
Valuation is the clearest signal here. The P/E of 13.1× sits -22% below the sector median of 16.7×, and EV/EBITDA of 12.2× runs -29% below its median of 17.2× — both pointing to a stock priced well below the Financials peer group. Debt/EBITDA of 0.0× is -100% below the sector median of 1.1×, which places the balance sheet among the stronger in the sector. The drag comes from profitability and growth: ROE of 12.2% trails the sector median of 15.0% by -18%, and revenue growth of 4.4% lags the median of 7.9% by -45%, pulling the composite to 59/100 against the sector. On the forward axis, consensus aligns with the realized track record — the forward PEG reads as reasonable, and the beat rate over eight quarters is strong, with the last report coming in at 3.5% ahead of estimates.
| Ticker | Name | F-Score | ROE | Revenue YoY | Op. margin |
|---|---|---|---|---|---|
| AXP | American Express | 4/9 | 34% |
Quarter-by-quarter classification · a retrospective read by the current logic · not a price forecast
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice. The method did not see these quarters in real time; this is the current logic applied to past reports.
A simplified retrospective read: no analyst forecast (not available historically); the source is the annual report as of the date, so neighbouring quarters can rest on the same data. Quarters with the same classification in a row are merged into one row — each row is one change in the read, not a separate quarter. One ticker is an illustration of the classification logic, not statistics. How we calculate →
The market prices in earnings growth; analyst sentiment is weakening; has mostly beaten consensus.
Price against next year's expected earnings. The forward P/E already carries analyst optimism — read it alongside the “Versus consensus” line.
A forward P/E below the current one means the market expects earnings to grow; above it, to fall. The historical growth is realized figures from SEC filings, not a forecast.
The three-month change in the share of positive analyst ratings. This is sentiment, not an earnings-estimate revision, and not a call to act.
When USB reports on July 16, 2026, track net interest income and fee revenue year over year against the current 7.94% YoY growth figure, which sits 45% below the sector median. Also check whether the full profitability block (4/4 on the F-Score) holds, particularly return on assets and net income direction.
Pull USB's most recent 10-K on SEC EDGAR and focus on management's discussion of ROE, currently at 15.0% and 18% below the sector median. The credit loss provisions section and any commentary on deposit cost pressure will clarify whether the efficiency gap (1/2 on the F-Score) is structural or cyclical.
From the same-sector table in section 06, pick two or three companies and line up one metric — P/E, EV/EBITDA, or ROE — against USB's figures of 16.7×, 17.2×, and 15.0% respectively. The table is alphabetical with no ranking, so the comparison is yours to draw without any implied ordering.
Steps you can check yourself, based on the figures in this brief.
Piotroski F-Score: nine binary tests of financial strength from the annual report. A ✓ marks a test passed, a dot (·) a test failed.
Over 4 years: 1.890.000.000.00
Over 4 years: +16%-2%+4%
The context on the right shows how each figure compares with the sector median. The trend below tracks the change over recent fiscal years.
Beat consensus in 8 of 8 recent quarters — the company clears estimates regularly (consensus is often set conservatively).
Last quarter's EPS against consensus, plus the estimated date of the next report.
| +6% |
| — |
| BAC | Bank of America | 5/9 | 10% | +7% | — |
| BLK | BlackRock | 3/9 | 11% | +19% | 29% |
| C | Citigroup | 3/9 | 7% | +6% | — |
| CB | Chubb | 6/9 | 15% | +7% | — |
| GS | Goldman Sachs | 5/9 | 14% | +9% | — |
| JPM | JPMorgan Chase | 3/9 | 16% | +3% | — |
| MA | Mastercard | 7/9 | 210% | +16% | 58% |
| MS | Morgan Stanley | 3/9 | 16% | +14% | — |
| PGR | Progressive | 6/9 | 40% | +16% | — |
| SCHW | Charles Schwab | 6/9 | 18% | +22% | — |
| SPGI | S&P Global | 7/9 | 14% | +8% | 42% |
| USB | U.S. Bancorp | 7/9 | 12% | +4% | — |
| V | Visa | 5/9 | 64% | +11% | 60% |
| WFC | Wells Fargo | 3/9 | 12% | +2% | — |
A sample of 15 companies in the sector including the target, alphabetical, unranked. Data from the latest SEC annual reports.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
The last few quarters are recent context, not a fixed rate. Consensus for near quarters is set low, so companies clear it routinely; over long horizons the forecasts run the other way, too high.
A description of what the market and analysts expect. Not a price forecast and not investment advice. Analyst forecasts run systematically optimistic over long horizons — read them with that discount.