us

U.S. Ban

USB
NYSE
$55.81
54
Average

U.S. Bancorp Quality Analysis

U.S. Ban (USB) is an average quality business scoring 54/100. While the company generates positive returns, it lacks the exceptional attributes that characterize durable competitive advantages. Investors should demand a meaningful discount to fair value before investing.

published on March 14, 2026 (87 days ago)

Does U.S. Ban have a strong competitive moat?

38
Weak

U.S. Ban shows limited evidence of a durable competitive moat. Margins and returns on capital are below levels that would indicate meaningful competitive advantages. The business may struggle to maintain its current profitability as competitive dynamics evolve.

Does U.S. Ban have pricing power in its industry?

26
Weak

U.S. Ban shows weak pricing power. Margins are below industry norms and may be declining. The business appears to compete primarily on price, leaving it vulnerable to cost increases and competitive pressure on profitability.

How predictable is U.S. Ban's business?

66
Average

U.S. Ban offers good predictability. Revenue and cash flows have followed a generally consistent pattern over recent years. Minor fluctuations have occurred, but the overall trend is reliable. The business model produces reasonably forecastable results.

Is U.S. Ban financially strong?

70
Good

U.S. Ban maintains a solid financial position. Debt levels are manageable, and the company generates sufficient cash to service its obligations. While not a fortress balance sheet, the financial position poses no immediate concerns and provides reasonable flexibility.

How effective is U.S. Ban's capital allocation strategy?

70
Good

U.S. Ban shows solid capital allocation. Returns on capital exceed the cost of capital, and management balances reinvestment with shareholder returns reasonably well. There is room for improvement, but overall capital deployment creates value.

Does U.S. Ban have high-quality management?

62
Average

U.S. Ban has competent management that delivers acceptable results. Returns on capital are reasonable and operations run efficiently. While not exceptional, the management team maintains a steady hand and does not appear to be making value-destructive decisions.

Average

Is U.S. Ban a quality company?

U.S. Ban is an average quality company with a quality score of 54/100

54
Average
38
Weak
Quality Momentum

Predicted probability of operating margin improvement over the next 12 months

  • Financial strength is the strongest dimension at 70/100.
  • Pricing power is the weakest area at 26/100 and needs attention.
  • Positive free cash flow in 7 of the last 7 years.
  • Debt-to-equity ratio of 0.24x.

What is the fair value of U.S. Ban stock?

Is U.S. Ban a good investment at $56?

$55.81
Important Disclaimer:

The following analysis is provided for informational and educational purposes only. It does not constitute financial advice, investment advice, or a recommendation to buy or sell any security. The opinions expressed are based on publicly available information and historical data. Beanvest and its contributors may hold positions in the securities mentioned. Investors should conduct their own due diligence or consult a licensed financial advisor before making any investment decision.

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