U.S. Bancorp Financial Ratios — UB5 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	16.09	16.49	15.83	14.94	14.19	13.6	13.93	15.37	14.55	10.01	16.02	11.95	10.99	11.86	13.15
Return on Assets (%)	1.5	1.63	1.63	1.53	1.43	1.36	1.37	1.53	1.44	0.95	1.41	0.93	0.81	0.94	1.1
Return on Capital (%)	5.7	6.55	6.81	6.06	5.56	5.86	6.46	7.01	6.3	4.51	7.87	5.34	4.51	5.15	5.83
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.11	38.51	40.07	40.1	40.21	38.68	34.65	38.53	37.56	26.05	44.74	30.19	24.51	28.93	33.35
Profit Margin (%)	25.8	28.14	30.12	29.34	29.44	28.1	28.66	31.51	30.21	21.35	35.05	24.09	19.38	23.04	26.52
Net Income to Common Margin (%)	25.12	26.96	28.83	28.13	28.2	26.76	27.43	30.26	28.89	20.04	33.71	22.86	18.13	21.76	25.37
Effective Tax Rate (%)	27.77	28.94	26.17	26.1	26.11	26.66	16.82	17.91	19.18	17.62	21.45	20.04	20.5	19.98	20.18
Dvd Payout Ratio (%)	17.62	25.77	29.38	30.16	30.87	31.4	32.3	30.33	36.59	54.13	33.54	50.03	57.64	51.54	43.51
Sustainable Growth Rate (%)	13.25	12.24	11.18	10.43	9.81	9.33	9.43	10.71	9.22	4.59	10.64	5.97	4.65	5.75	7.43

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	54,399	47,480	45,006	60,319	58,216	46,038	47,855	52,439	61,897	50,856	41,718	69,388	62,935	65,626	68,413
ST Debt	22,446	21,964	24,957	28,059	26,138	12,715	15,596	11,099	21,730	9,559	9,593	29,559	11,455	7,624	7,649
LT Debt	31,953	25,516	20,049	32,260	32,078	33,323	32,259	41,340	40,167	41,297	32,125	39,829	51,480	58,002	60,764
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.22	9.67	9.99	9.62	9.63	9.37	9.44	9.64	9.26	8.51	8.47	6.51	7.31	7.63	8.43
Long-Term Debt/Equity (%)	91.37	63.37	47.96	73.04	68.52	69.52	64.95	80.03	76.53	76.87	58	77.74	92.31	98.24	92.56
Long-Term Debt/Capital (%)	35.75	29.08	23.09	30.87	30.54	35.46	33.08	39.71	35.12	39.49	33.08	33.02	43.37	46.53	45.32
Long-Term Debt/Total Assets (%)	9.39	7.21	5.51	8.01	7.6	7.47	6.98	8.85	8.11	7.46	5.6	5.9	7.76	8.55	8.78
Total Debt/Equity (%)	155.55	117.91	107.65	136.57	124.35	96.05	96.35	101.51	117.94	94.66	75.32	135.44	112.85	111.16	104.21
Total Debt/Capital (%)	60.87	54.11	51.84	57.73	55.43	48.99	49.07	50.38	54.12	48.63	42.96	57.53	53.02	52.64	51.03
Total Debt/Total Assets (%)	15.99	13.42	12.36	14.99	13.8	10.32	10.36	11.22	12.49	9.18	7.28	10.28	9.49	9.67	9.88
Net Debt to Equity	105.17	85.39	85.63	110.64	100.54	63.28	57.08	59.98	75.25	-21.82	23.13	30.93	3.13	15.45	32.78
Net Debt/Capital (%)	48.77	43.25	45.7	52.08	50.13	38.76	36.34	37.49	42.94	-27.91	18.79	23.62	3.03	13.39	24.69
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.22	9.67	9.99	9.62	9.63	9.37	9.44	9.64	9.26	8.51	8.47	6.51	7.31	7.63	8.43
Long-Term Debt/Equity (%)	91.37	63.37	47.96	73.04	68.52	69.52	64.95	80.03	76.53	76.87	58	77.74	92.31	98.24	92.56
Long-Term Debt/Capital (%)	35.75	29.08	23.09	30.87	30.54	35.46	33.08	39.71	35.12	39.49	33.08	33.02	43.37	46.53	45.32
Long-Term Debt/Total Assets (%)	9.39	7.21	5.51	8.01	7.6	7.47	6.98	8.85	8.11	7.46	5.6	5.9	7.76	8.55	8.78
Total Debt/Equity (%)	155.55	117.91	107.65	136.57	124.35	96.05	96.35	101.51	117.94	94.66	75.32	135.44	112.85	111.16	104.21
Total Debt/Capital (%)	60.87	54.11	51.84	57.73	55.43	48.99	49.07	50.38	54.12	48.63	42.96	57.53	53.02	52.64	51.03
Total Debt/Total Assets (%)	15.99	13.42	12.36	14.99	13.8	10.32	10.36	11.22	12.49	9.18	7.28	10.28	9.49	9.67	9.88
CFO/Total Liabilities	3.22	2.54	3.55	1.49	2.34	1.34	1.57	2.54	1.1	0.74	1.91	3.39	1.38	1.83	1.27
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

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Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	51,947	59,414	73,690	81,682	75,762	86,905	89,422	72,658	91,049	68,968	83,007	66,385	67,177	74,547	84,687
- Cash & Cash Equivalents	13,962	8,252	8,477	10,654	11,147	15,705	19,505	21,453	22,405	62,580	28,905	53,542	61,192	56,502	46,890
+ Preferred Equity and Hybrid Capital	2,606	4,769	4,756	4,756	5,501	5,501	5,419	5,984	5,984	5,983	6,371	6,808	6,808	6,808	6,808
+ Minority/Non Controlling Interest	993	1,269	694	689	686	635	626	628	630	630	469	466	465	462	458
+ Total Debt	54,399	47,480	45,006	60,319	58,216	46,038	47,855	52,439	61,897	50,856	41,718	69,388	62,935	65,626	68,413
Enterprise Value	50,877	66,583	75,840	81,053	68,039	57,845	56,369	46,198	14,811	-72,581	-29,746	17,453	6,825	5,269	22,635
Total Capital	89,370	87,747	86,813	104,487	105,033	93,971	97,521	104,096	114,380	104,581	97,105	120,620	118,706	124,666	134,064
Total Debt/Capital (%)	60.87	54.11	51.84	57.73	55.43	48.99	49.07	50.38	54.12	48.63	42.96	57.53	53.02	52.64	51.03
Total Debt / EV	1.07	0.71	0.59	0.74	0.86	0.8	0.85	1.14	4.18	-0.7	-1.4	3.98	9.22	12.45	3.02
EV/Sales	2.69	3.32	3.91	4.07	3.41	2.76	2.6	2.05	0.65	- -	- -	0.72	0.24	0.19	0.79
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	5.18	8.37	6.63	15.2	7.75	10.84	8.71	4.37	3.03	- -	- -	0.83	0.81	0.46	2.84
EV/Free Cash Flow to Firm	5.18	8.37	6.63	15.2	7.75	10.84	8.71	4.37	3.03	- -	- -	0.83	0.81	0.46	2.84
Diluted Market Cap	52,305	60,259	74,670	82,923	76,926	88,288	90,899	73,998	93,948	69,100	83,370	64,608	66,530	74,605	84,829
Diluted Enterprise Value	51,235	67,428	76,820	82,294	69,203	59,228	57,846	47,538	17,710	-72,449	-29,383	15,676	6,178	5,327	22,777
EV per Share	26.64	35.62	41.56	45.39	38.99	34.09	34.05	28.72	9.65	- -	- -	11.4	4.38	3.38	14.55
TTM Sales	18,883	20,064	19,378	19,939	19,969	20,956	21,697	22,521	22,883	23,226	22,721	24,184	28,013	27,335	28,540
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	9,820	7,958	11,446	5,332	8,782	5,336	6,472	10,564	4,889	3,716	9,870	21,119	8,393	11,350	7,970
TTM Free Cash Flow to Firm	9,820	7,958	11,446	5,332	8,782	5,336	6,472	10,564	4,889	3,716	9,870	21,119	8,393	11,350	7,970

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	5.33	7.57	6.52	15.55	8.76	16.55	14.04	7	19.22	18.6	8.45	3.06	7.93	6.57	10.64
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	50,877	66,583	75,840	81,053	68,039	57,845	56,369	46,198	14,811	-72,581	-29,746	17,453	6,825	5,269	22,635
Low Price	20.53	26.79	32.06	38.62	39.66	37.2	49.49	44.7	44.64	29.09	42.4	38.72	27.89	38.43	34.38
EV/Sales	2.69	3.32	3.91	4.07	3.41	2.76	2.6	2.05	0.65	- -	- -	0.72	0.24	0.19	0.79
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	10.98	11.09	13.29	14.71	13.6	15.69	15.22	10.83	14.19	14.83	10.88	11.68	13.1	12.54	11.71
Price/Earnings Average	10.23	10.97	11.74	13.46	13.56	13.1	14.82	12.6	12.74	13.16	10.92	13.2	11.34	11.5	9.92
Price/Earnings High	11.49	12.21	13.32	14.71	14.47	16.05	15.82	13.92	14.57	19.2	12.23	17.06	15.26	14.12	11.83
Price/Earnings Low	8.28	9.35	10.55	12.42	12.42	11.4	13.95	10.72	10.68	9.43	8.24	10.43	8.47	10.08	7.39
Price/Book Value	1.66	1.74	2.03	2.11	1.86	2.08	2.05	1.61	1.98	1.46	1.71	1.51	1.39	1.44	1.45
Price/Book Value Average	1.54	1.72	1.79	1.93	1.86	1.74	2	1.88	1.78	1.3	1.72	1.71	1.2	1.32	1.23
Price/Book Value High	1.73	1.91	2.03	2.11	1.98	2.13	2.13	2.07	2.04	1.89	1.92	2.21	1.61	1.62	1.47
Price/Book Value Low	1.25	1.46	1.61	1.78	1.7	1.51	1.88	1.6	1.49	0.93	1.3	1.35	0.9	1.16	0.92
Price/Tangible Book Value	2.64	2.65	3.12	3.12	2.71	2.98	2.89	2.25	2.76	2.01	2.4	2.72	2.24	2.21	2.07
Price/Tangible Book Value Average	2.46	2.63	2.75	2.86	2.71	2.49	2.81	2.62	2.48	1.78	2.41	3.07	1.94	2.03	1.76
Price/Tangible Book Value High	2.76	2.92	3.12	3.12	2.89	3.05	3	2.89	2.83	2.6	2.7	3.97	2.61	2.49	2.1
Price/Tangible Book Value Low	1.99	2.24	2.48	2.64	2.48	2.17	2.65	2.23	2.08	1.28	1.82	2.43	1.45	1.78	1.31
Price/Sales	2.76	2.99	3.83	4.14	3.83	4.2	4.17	3.28	4.1	2.97	3.67	2.67	2.37	2.73	2.97
Price/Sales Average	2.57	2.96	3.38	3.79	3.82	3.51	4.06	3.81	3.68	2.64	3.68	3.02	2.06	2.5	2.52
Price/Sales High	2.89	3.29	3.84	4.14	4.08	4.3	4.34	4.21	4.21	3.85	4.12	3.9	2.77	3.07	3
Price/Sales Low	2.08	2.52	3.04	3.49	3.5	3.05	3.82	3.24	3.08	1.89	2.78	2.38	1.54	2.19	1.88
Price/Cash Flow	5.3	7.54	6.49	15.47	8.72	16.49	13.99	6.99	19.19	18.58	8.44	3.06	7.93	6.57	10.64
Price/Cash Flow Average	4.94	7.46	5.73	14.16	8.69	13.77	13.62	8.12	17.23	16.49	8.47	3.45	6.86	6.03	9.01
Price/Cash Flow High	5.55	8.3	6.5	15.47	9.28	16.87	14.54	8.98	19.71	24.05	9.49	4.47	9.23	7.4	10.75
Price/Cash Flow Low	4	6.35	5.15	13.06	7.97	11.98	12.82	6.91	14.44	11.81	6.4	2.73	5.13	5.28	6.72
Price/Free Cash Flow Average	4.96	7.49	5.76	14.23	8.73	13.82	13.67	8.14	17.26	16.5	8.48	3.46	6.86	6.03	9.01
Price/Free Cash Flow High	5.57	8.34	6.53	15.55	9.32	16.93	14.6	9	19.73	24.06	9.5	4.47	9.23	7.4	10.76
Price/Free Cash Flow Low	4.02	6.38	5.18	13.13	8	12.02	12.87	6.93	14.46	11.82	6.4	2.73	5.13	5.29	6.72
EV/Sales Average	2.51	3.29	3.47	3.72	3.4	2.08	2.49	2.58	0.24	- -	- -	1.08	- -	- -	0.34
EV/Sales High	2.82	3.62	3.92	4.07	3.65	2.86	2.76	2.97	0.75	- -	- -	1.99	0.64	0.54	0.82
EV/Sales Low	2.02	2.85	3.13	3.43	3.08	1.63	2.25	2.02	- -	- -	- -	0.43	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	27.2	31.78	40.38	45.74	43.41	51.21	54.01	45.18	59.35	45.76	55.95	43.36	43.12	47.79	54.45
High Price	28.47	35	40.45	45.74	46.19	52.39	56.13	58.06	60.94	59.22	62.92	63.36	50.22	53.84	55.03
Enterprise Value Average	47,344	65,971	67,219	74,134	67,822	43,520	54,001	58,024	5,524	-80,348	-29,438	26,090	-2,178	-884	9,677
Enterprise Value High	53,299	72,600	75,954	81,053	72,882	59,851	59,882	66,916	17,255	-52,295	-19,417	48,070	17,890	14,696	23,543
Enterprise Value Low	38,130	57,250	60,652	68,342	61,486	34,071	48,877	45,432	-7,746	-97,702	-49,848	10,351	-16,897	-9,328	-8,578

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	1,910	1,869	1,825	1,786	1,745	1,697	1,656	1,608	1,534	1,507	1,484	1,531	1,558	1,560	1,555
Diluted Weighted Avg Shares	1,923	1,896	1,849	1,813	1,772	1,724	1,683	1,638	1,583	1,510	1,490	1,490	1,543	1,561	1,558
Basic Weighted Avg Shares	1,914	1,887	1,839	1,803	1,764	1,718	1,677	1,634	1,581	1,509	1,489	1,489	1,543	1,560	1,557
Revenue per Share	9.87	10.63	10.54	11.06	11.32	12.2	12.94	13.78	14.47	15.39	15.26	16.24	18.15	17.52	18.33
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.48	2.87	3.04	3.11	3.19	3.26	3.55	4.17	4.18	3.08	5.14	3.71	3.29	3.81	4.65
Basic EPS from Cont Ops	2.5	2.91	3.12	3.28	3.36	3.46	3.73	4.36	4.39	3.3	5.36	3.92	3.54	4.06	4.88
Diluted EPS, GAAP	2.47	2.85	3.02	3.09	3.18	3.25	3.54	4.16	4.18	3.08	5.14	3.71	3.29	3.81	4.65
Diluted EPS from Cont Ops	2.49	2.9	3.1	3.26	3.35	3.45	3.72	4.35	4.39	3.3	5.36	3.92	3.54	4.05	4.88
Dividend per Share	0.49	0.82	1	1.09	1.14	1.21	1.32	1.45	1.74	1.89	1.94	2.07	2.15	2.21	2.25
Cash Flow per Share	5.13	4.22	6.22	2.96	4.98	3.11	3.86	6.47	3.09	2.46	6.63	14.18	5.44	7.28	5.12
Free Cash Flow per Basic Share	5.13	4.22	6.22	2.96	4.98	3.11	3.86	6.47	3.09	2.46	6.63	14.18	5.44	7.28	5.12
Cash & Equivalents per Share	30.93	24.79	26.47	37.18	41.33	47.87	52.52	53.17	94.35	132.05	108.74	82.04	83.8	91.15	88.55
Book Value per Share	16.43	18.31	19.92	21.68	23.28	24.63	26.35	28.01	29.9	31.26	32.72	28.71	31.13	33.19	37.54
Tangible Book Value per Share	10.32	11.97	12.95	14.66	16	17.18	18.7	20.07	21.5	22.78	23.29	15.96	19.21	21.6	26.26