Keuangan U.S. Bancorp (USB)
NYSE · Financial Services · Banks - Regional · Karyawan: 70.000 · CEO: Gunjan Kedia
- Harga
- $59,45 -1,96%
- Kapitalisasi pasar
- $92,6 M
- Nilai perusahaan
- $116 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-15
- Laporan berikutnya
- 2027-01-19
Pendapatan (TTM)$44 M+3,4% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)24,4%+3,1 poin vs tahun laluLaba operasional: $10,7 M
Laba bersih (TTM)$8,38 M+16,5% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$9 M-9,1% vs tahun laluCapex: $0
EPS dilusian (TTM)$5,13+17,7% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$130 M+66,9% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $92,6 M EV $116 M
- Pendapatan
- $44 M 12 bulan terakhir
- Pertumbuhan pendapatan
- – Tahun fiskal berikutnya
- Margin laba
- 19,0% Laba bersih / pendapatan, TTM
- P/E
- 11,6×
- P/S
- 2,1× Harga / penjualan, TTM
- EV / EBITDA
- 8,1× TTM
- Arus kas bebas
- $9 M 12 bulan terakhir
- Laba bersih
- $8,38 M 12 bulan terakhir
- Estimasi pendapatan
- – Tahun fiskal berikutnya
- Laba
- 2027-01-19
- Dividen
- $2,10 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan melambat: 2,3% yoyPendapatan Q3 '26: $11,3 M, rata-rata empat kuartal sebelumnya: 3,3%.
- Margin operasional 24,4% (TTM), dibanding tahun lalu: +3,1 poinLaba operasional tumbuh 18,2%, pendapatan tumbuh 3,4%.
- Capex: 0,0% dari pendapatan (tahun lalu 0,0%)$0 diinvestasikan dalam 4 kuartal terakhir (– dibanding tahun sebelumnya). Arus kas bebas: $9 M = 107,4% dari laba bersih.
- $3,04 M dikembalikan ke pemegang saham = 33,8% dari arus kas bebasBuyback: $599 jt (tahun lalu $489 jt), dividen: $2,44 M, kompensasi saham: $0 (TTM).
- Jumlah saham dilusian naik dalam setahun: 0,1%Saham dilusian pada Q3 '26: 1,56 M, setahun sebelumnya: 1,56 M.
- Kas neto: $130 MKas + investasi jangka pendek: $203 M, utang termasuk sewa: $73 M; tahun lalu kas neto: $77,7 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $11,3 M | $11 M | +2,3% |
| Margin kotor | 64,8% | 61,1% | +3,7 poin |
| Laba operasional | $2,8 M | $2,53 M | +10,6% |
| Margin operasional | 24,9% | 23,0% | +1,9 poin |
| Laba bersih | $2,2 M | $2 M | +10,0% |
| EPS dilusian | $1,34 | $1,21 | +10,7% |
| Arus kas operasional | $0 | $3,39 M | -100,0% |
| Capex | $0 | $0 | – |
| Arus kas bebas | $0 | $3,39 M | -100,0% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $0 | $0 | – |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q1 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Wealth Management And Investment Services | – | – | – | – | – | |
| Payment Services | $1,72 M | -25,3% | 23,6% | $9,12 M | -34,4% | |
| Consumer And Small Business Banking | – | – | – | – | – | |
| Wealth, Corporate, Commercial and Institutional Banking | $3,48 M | – | 47,8% | – | – | |
| Consumer and Business Banking | $2,33 M | – | 31,9% | – | – | |
| Treasury and Corporate Support | -$238 jt | -328,8% | -3,3% | – | – |
Pendapatan per wilayah
porsi dari total| Segmen | Q1 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Segment Two | $1,93 M | -5,5% | 56,0% | $8,19 M | – | |
| Segment Four | $1,14 M | +0,5% | 32,9% | $4,75 M | – | |
| Segment Three | $386 jt | +7,5% | 11,2% | $1,5 M | – |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $9 M
- Capex
- $0
- Buyback
- -$599 jt
- Dividen
- -$2,44 M
- Akuisisi
- -$247 jt
- Utang neto diterbitkan
- -$3,22 M
- Kompensasi berbasis saham
- $0
- Arus kas bebas
- $9 M
- Dikembalikan ke pemegang saham / FCF
- 33,8%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 11,6× | 12,0× | 11,0× – 13,2× |
| EV / EBITDA | 8,1× | 10,0× | 9,2× – 11,0× |
| EV / Penjualan | 2,6× | 2,8× | 1,8× – 4,2× |
| Harga / FCF | 10,3× | 7,3× | 3,1× – 10,4× |
| Harga / Nilai buku | 1,4× | 1,3× | 1,2× – 1,5× |
| Imbal hasil FCF | 9,7% | 16,3% | 9,6% – 32,5% |
| Imbal hasil modal yang diinvestasikan | 5,0% | 4,5% | 3,6% – 6,8% |
| Imbal hasil ekuitas | 12,6% | 11,6% | 9,8% – 14,5% |
Analis
Target konsensus $69,53 (+17,0%)
rentang $64,00 – $76,00 · peringkat Buy
Beli kuat1
Beli24
Tahan22
Jual2
Jual kuat0
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 418 angka yang ditandai U.S. Bancorp dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$7,11 M | -$8,61 M | +17,4% | -$6,99 M | -$9,76 M | +28,4% |
| Additional Paid in Capital, Common Stock | $8,77 M | $8,71 M | +0,8% | $8,73 M | $8,72 M | +0,1% |
| Affordable Housing Tax Credits and Other Tax Benefits, Amount | $153 jt | $212 jt | -27,8% | $643 jt | $585 jt | +9,9% |
| Amortization Method Qualified Affordable Housing Project Investments, Amortization | $166 jt | $155 jt | +7,1% | $599 jt | $573 jt | +4,5% |
| Amortization of Intangible Assets | $114 jt | $124 jt | -8,1% | $498 jt | $569 jt | -12,5% |
| AOCI, Cash Flow Hedge, Cumulative Gain (Loss), after Tax | -$298 jt | -$132 jt | -125,8% | -$69 jt | -$553 jt | +87,5% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $73 jt | $47 jt | +55,3% | $239 jt | $241 jt | -0,8% |
| Asset at Fair Value, Changes in Fair Value Resulting from Changes in Assumptions | $5 jt | $6 jt | -16,7% | $15 jt | $43 jt | -65,1% |
| Assets | $726 M | $686 M | +5,8% | $692 M | $678 M | +2,1% |
| Cash and Due from Banks | $66,5 M | $57,8 M | +15,0% | $46,9 M | $56,5 M | -17,0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $66,5 M | $57,8 M | +15,0% | $46,9 M | $56,5 M | -17,0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $18,1 M | $7,79 M | +131,9% | -$9,61 M | -$4,69 M | -104,9% |
| Collateral Already Posted, Aggregate Fair Value | $1,9 M | $1,9 M | 0,0% | $1,5 M | $1,9 M | -21,1% |
| Common Stock, Capital Shares Reserved for Future Issuance | 52 jt2025-12-31 | 59 jt | -11,9% | 52 jt | 59 jt | -11,9% |
| Common Stock, Dividends, Per Share, Declared | $0,52 | $0,50 | +4,0% | $2,04 | $1,98 | +3,0% |
| Common Stock, Par or Stated Value Per Share | $0,01 | $0,01 | 0,0% | $0,01 | $0,01 | 0,0% |
| Common Stock, Shares Authorized | 4 M | 4 M | 0,0% | 4 M | 4 M | 0,0% |
| Common Stock, Shares, Issued | 2,13 M | 2,13 M | 0,0% | 2,13 M | 2,13 M | 0,0% |
| Common Stock, Shares, Outstanding | 1,6 M2025-12-31 | 1,6 M | 0,0% | 1,6 M | 1,6 M | 0,0% |
| Common Stock, Value, Issued | $21 jt | $21 jt | 0,0% | $21 jt | $21 jt | 0,0% |
| Communications and Information Technology | $601 jt | $534 jt | +12,5% | $2,21 M | $2,07 M | +6,6% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest | $6 jt | $6 jt | 0,0% | $26 jt | $30 jt | -13,3% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $2,29 M | $2,25 M | +1,8% | $10,3 M | $6,63 M | +56,0% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $2,3 M | $2,25 M | +1,8% | $10,4 M | $6,66 M | +55,7% |
| Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset | $164 jt | $172 jt | -4,7% | $682 jt | $699 jt | -2,4% |
| Current Federal Tax Expense (Benefit) | $595 jt2025-12-31 | $607 jt | -2,0% | $1,18 M | $1,25 M | -5,5% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $36 jt | $20 jt | +80,0% |
| Current Income Tax Expense (Benefit) | – | – | – | $1,61 M | $1,55 M | +4,0% |
| Current State and Local Tax Expense (Benefit) | $107 jt2025-12-31 | $65 jt | +64,6% | $394 jt | $279 jt | +41,2% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $211 jt | $149 jt | +41,6% | $348 jt | $58 jt | +500,0% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $4,66 M | $6,19 M | -24,8% | $4,73 M | $6,86 M | -31,0% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $40,1 M | $50,2 M | -20,0% | $51 M | $48,7 M | +4,8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $4,51 M | $5,7 M | -21,0% | $4,54 M | $6,52 M | -30,4% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $16,1 M | $19,7 M | -18,5% | $2,26 M | $26,3 M | -91,4% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $146 jt | $172 jt | -15,1% | $7 jt | $324 jt | -97,8% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Amortized Cost | $93,5 M | $96,3 M | -2,9% | $95 M | $92,8 M | +2,4% |
| Debt Securities, Available-for-sale, Realized Gain | $3 jt | $1 jt | +200,0% | $21 jt | $147 jt | -85,7% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | -$49 jt | -$57 jt | +14,0% | -$61 jt | -$154 jt | +60,4% |
| Debt Securities, Available-for-sale, Realized Loss | $52 jt | $58 jt | -10,3% | $82 jt | $301 jt | -72,8% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $56,2 M | $69,9 M | -19,6% | $53,3 M | $75 M | -29,0% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $4,65 M | $5,87 M | -20,8% | $4,55 M | $6,85 M | -33,6% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain | $42 jt | $52 jt | -19,2% | $99 jt | $6 jt | +1.550,0% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss | $9,51 M | $10,9 M | -12,8% | $9,19 M | $12,4 M | -25,7% |
| Debt Securities, Held-to-maturity, Fair Value | $64,6 M | $67 M | -3,6% | $67,1 M | $66,3 M | +1,2% |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss | $93,5 M | $96,6 M | -3,2% | $95,2 M | $92,8 M | +2,6% |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $89,1 M | $90,6 M | -1,6% | $90,8 M | $86 M | +5,6% |
| DebtSecuritiesAvailableForSaleWeightedAverageYield | 3,7% | 3,6% | +4,2% | 3,6% | 3,7% | -3,3% |
| DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest | $0 | $0 | – | $0 | $0 | – |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | $74,1 M | $77,9 M | -4,9% | $76,2 M | $78,6 M | -3,1% |
| DebtSecuritiesHeldToMaturityWeightedAverageYield | 2,4% | 2,3% | +2,2% | 2,3% | 2,2% | +6,4% |
| Deferred Federal Income Tax Expense (Benefit) | -$232 jt2025-12-31 | -$266 jt | +12,8% | $209 jt | -$5 jt | +4.280,0% |
| Deferred Foreign Income Tax Expense (Benefit) | – | – | – | $0 | -$1 jt | +100,0% |
| Deferred Income Tax Expense (Benefit) | – | – | – | $308 jt | $29 jt | +962,1% |
| Deferred State and Local Income Tax Expense (Benefit) | -$24 jt2025-12-31 | $13 jt | -284,6% | $99 jt | $35 jt | +182,9% |
| Deferred Tax Assets, Equity Method Investments | $321 jt2025-12-31 | $264 jt | +21,6% | $321 jt | $264 jt | +21,6% |
| Deferred Tax Assets, Gross | $9,14 M2025-12-31 | $10,7 M | -14,6% | $9,14 M | $10,7 M | -14,6% |
| Deferred Tax Assets, Investments | $2,17 M2025-12-31 | $3,13 M | -30,7% | $2,17 M | $3,13 M | -30,7% |
| Deferred Tax Assets, Net | $4,99 M2025-12-31 | $6,25 M | -20,2% | $4,99 M | $6,25 M | -20,2% |
| Deferred Tax Assets, Operating Loss Carryforwards, Domestic | $2,52 M2025-12-31 | $2,77 M | -9,1% | $2,52 M | $2,77 M | -9,1% |
| Deferred Tax Assets, Other | $331 jt2025-12-31 | $383 jt | -13,6% | $331 jt | $383 jt | -13,6% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30, 10-Q 2024-06-30
Data per 2026-11-01