USB PEER ANALYSIS

U.S. Bancorp — metric-by-metric comparison with peers and the industry median

USBU.S. Bancorp

🇺🇸 USA · US · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

USBIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	USB	CABK	DBK	BNP	GLE	ACA	Ind. Median
P/E	12.74	14.71	9.63	11.76	7.54	5.30●	12.88
P/B	1.46	2.38	0.80	0.87	0.81	0.68●	1.29
EV/EBITDA	-4.00	10.21	-16.83●	—	4.26	—	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	USB	CABK	DBK	BNP	GLE	ACA	Ind. Median
Current Ratio	0.40	0.10	0.42●	—	0.24	—	0.31
Debt/Equity	120.4%●	136.6%	179.0%	—	229.8%	—	38.0%
NetDebt/EBITDA	-13.10	0.41	-23.09●	—	0.55	—	-0.58

Profitability
Metric	USB	CABK	DBK	BNP	GLE	ACA	Ind. Median
Net Margin	18.0%	30.6%●	11.8%	15.0%	13.2%	5.6%	20.6%
ROE	12.4%	16.0%●	9.0%	7.5%	10.8%	13.5%	10.9%
ROA	1.1%●	0.9%	0.5%	0.3%	0.5%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	USB	CABK	DBK	BNP	GLE	ACA	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	16.8%	-4.1%	32.0%	-12.8%	48.4%●	-6.0%	19.4%
Div. Yield	3.3%	—	3.2%	5.0%	2.1%	6.4%●	2.5%
Payout	45.1%	—	37.1%	30.1%	—	31.4%	31.4%

Valuation
Metric	USB	PNC	TFC	FITB	MTB	HBAN	Ind. Median
P/E	12.74	14.79	12.19●	23.00	13.29	15.38	12.88
P/B	1.46	1.61	1.01●	1.39	1.34	1.04	1.29
EV/EBITDA	-4.00●	-1.75	18.01	18.79	0.33	6.09	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	USB	PNC	TFC	FITB	MTB	HBAN	Ind. Median
Current Ratio	0.40	0.36	0.16	3.17	0.32	20.08●	0.31
Debt/Equity	120.4%	104.8%	107.6%	58.8%●	68.0%	72.1%	38.0%
NetDebt/EBITDA	-13.10●	-12.92	9.02	4.73	-8.69	-4.37	-0.58

Profitability
Metric	USB	PNC	TFC	FITB	MTB	HBAN	Ind. Median
Net Margin	18.0%	22.5%	18.1%	15.9%	23.7%●	16.6%	20.6%
ROE	12.4%●	12.0%	8.6%	8.0%	10.3%	8.3%	10.9%
ROA	1.1%	1.2%	1.0%	0.9%	1.4%●	0.9%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	USB	PNC	TFC	FITB	MTB	HBAN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	16.8%	19.5%●	13.2%	-5.9%	11.0%	7.8%	19.4%
Div. Yield	3.3%	2.7%	4.1%●	2.7%	2.4%	3.4%	2.5%
Payout	45.1%	41.6%	53.6%	54.0%	36.0%	47.8%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.