U.S. Bancorp

USBUS — S&P 100Dividend

↓ Hajras full report

Undervalued

Current price57.79USD

Fair value (est., median)64.73USD

UndervaluedFair valueOvervalued

-10.7% below fair valueWould need to rise ~12.0% to reach fair value.

Health Check

60.5

Overall / 100

Good (66+)Caution (40–65)Risk (<40)

Value60.7/100

Trades about 10.7% below its estimated fair value.

Discount to fair value: 10.7%
Price to book: 1.38×
Fair-value confidence: —

Future36/100

Modest growth of about 8% a year is expected.

Forecast growth (rev.): 8%
Revenue CAGR (18y): —
Earnings CAGR (18y): 3%

Past57.3/100

A steady, profitable operating history.

Return on equity: 11.3%
Net margin: 25.8%
Earnings CAGR (18y): 3%
Profitable years: 19/19

Health76/100

Balance sheet is manageable.

Debt to equity: 104.9%
Net debt to equity: 33%
Cash covers total debt: No
Free cash flow: Positive

Dividend72.3/100

Yields 3.71%, paying out 45.2% of earnings.

Dividend yield: 3.71%
Payout ratio: 45.2%
Covered by free cash flow: Yes
Years paying: 19
Dividend growth: —

Rewards

Trades 10.7% below estimated fair value.
Healthy balance sheet.
Attractive, covered dividend (3.71%).

Risks

—

Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.

Price, corporate actions & news

Demo series

Daily MA

Weekly MA

D — DividendS — Split▲ good · ▼ bad newstap a marker for details

Growth & profitability

Revenue, net income and margin.

RevenueNet incomeNet margin %tap a bar for figures

Key figures

Metric	FY'21	FY'22	FY'23	FY'24	FY'25
Revenue	0	24.24B	28.08B	27.39B	28.60B
Net Income	7.96B	5.66B	5.24B	6.10B	7.38B
Net Margin	—	23.4%	18.7%	22.3%	25.8%
Operating Cash Flow	9.87B	21.12B	8.39B	11.35B	7.97B
OCF Margin	—	87.1%	29.9%	41.4%	27.9%
Capital Expenditure	0	0	0	0	0
Free Cash Flow	9.87B	21.12B	8.39B	11.35B	7.97B
FCF Margin	—	87.1%	29.9%	41.4%	27.9%
FCF Conversion	123.9%	372.9%	160.2%	185.9%	108.0%
EPS (Diluted)	5.11/sh	3.64/sh	3.36/sh	3.92/sh	4.74/sh
Dividend / Share	1.66/sh	1.88/sh	2.02/sh	2.10/sh	2.14/sh

Dividend return (if you buy today)if you buy today

Dividend yield3.70%

Dividend / share2.14 USD

If you invest

USD

Shares (≈)173

Est. annual income370.38 USD

At this rate, dividends alone return your capital in ~27.0 years.

Dividend history

Dividend / share & historical yield (USD).

Dividend / share yield %tap a bar for figures

Quarterly dividends & yield

Per-share dividends by quarter, full-year total, and yield on the year's average price · USD

Year	Q1	Q2	Q3	Q4	Full year	Yield (avg)
2026	0.52	—	—	—	0.52	0.9%
2025	0.50	0.50	0.52	0.52	2.14	4.6%
2024	0.49	0.49	0.50	0.50	2.10	4.6%
2023	0.48	0.48	0.48	0.49	2.02	5.5%
2022	0.46	0.46	0.48	0.48	1.88	4.0%
2021	0.42	0.42	0.46	0.46	1.66	2.8%
2020	0.42	0.42	0.42	0.42	1.64	4.2%
2019	0.37	0.37	0.42	0.42	1.57	2.8%
2018	0.30	0.30	0.37	0.37	1.34	2.6%
2017	0.28	0.28	0.30	0.30	1.24	2.3%
2016	0.26	0.26	0.28	0.28	1.16	2.5%
2015	0.25	0.26	0.26	0.26	1.14	2.7%
2014	0.23	0.25	0.25	0.25	1.11	2.6%
2013	—	—	—	—	1.01	2.7%
2012	0.20	0.20	0.20	0.20	0.86	2.6%
2011	0.13	0.13	0.13	0.13	0.52	2.0%
2010	—	—	—	—	0.25	1.0%
2009	—	—	—	—	0.66	3.0%
2008	0.43	0.43	0.43	0.43	1.90	7.0%
2007	0.40	0.40	0.40	0.43	1.79	5.5%
2006	0.33	0.33	0.33	0.40	1.39	4.2%
2005	0.30	0.30	0.30	0.33	1.23	4.2%
2004	0.66	0.24	0.24	0.30	1.44	5.1%
2003	0.20	0.21	0.21	0.24	0.86	3.4%
2002	0.20	0.20	0.20	0.20	0.80	3.7%
2001	0.19	0.19	0.19	0.19	0.76	3.6%
2000	0.16	0.16	0.16	0.16	0.64	2.9%
1999	0.10	0.10	0.10	0.16	0.46	1.7%
1998	0.08	0.08	0.08	0.10	0.34	1.4%
1997	0.07	0.07	0.07	0.07	0.28	1.7%
1996	0.05	0.05	0.05	0.05	0.20	2.1%
1995	0.04	0.04	0.04	0.04	0.16	2.7%
1994	0.04	0.04	0.04	0.04	0.16	3.7%
1993	0.03	0.03	0.03	0.03	0.12	3.0%
1992	0.03	0.03	0.03	0.03	0.12	3.2%
1991	0.03	0.03	0.03	0.03	0.12	4.6%
1990	0.03	0.03	0.03	0.03	0.12	6.0%
1989	—	—	0.02	0.02	0.04	1.7%

Corporate actions

DCash Dividend

0.52 USD /sh2026-03-31

DCash Dividend

0.52 USD /sh2025-12-31

DCash Dividend

0.52 USD /sh2025-09-30

DCash Dividend

0.50 USD /sh2025-06-30

DCash Dividend

0.50 USD /sh2025-03-31

DCash Dividend

0.50 USD /sh2024-12-31

DCash Dividend

0.50 USD /sh2024-09-30

DCash Dividend

0.49 USD /sh2024-06-28

DCash Dividend

0.49 USD /sh2024-03-27

DCash Dividend

0.49 USD /sh2023-12-28

Shariah compliance

Non-compliant

AAOIFI-style financial screens on the latest annual figures.

Business activityImpermissible sector (banking / insurance)

Interest-bearing debt / market cap

76.0% · cap 30%

Fail

Cash & securities / market cap

Cash screen not assessed — no interest-bearing-securities line and no sourced threshold.

Not assessed

Non-compliant income / revenue

Impure-income screen needs the company's filing — not assessed yet.

Not assessed

Receivables test

No receivables or total-assets field — not assessed.

Not assessed

Net debt / equity (context)33.0%

Al-Maqased opinionForbidden activity

Source: Maktab Al-Maqased (Sh. Al-Osaimi) — Annual Report FY2024

Measurable on 1 of 4 AAOIFI ratios; 3 not in this dataset.

Screening estimate, not a fatwa — we never pass a ratio without showing it. Verify with a qualified Shariah board.

Zakat estimator

Zakat due on a shareholding at today's price.

Zakat per share

0.7525 USD

Zakatable base / share

30.10 USD

Shares you hold

Zakat rate

Holding value

5,779 USD

Zakat due

75.25 USD

Long-term base uses cash & equivalents only (receivables and inventory are not in our data), so it understates zakat.

Zakat is due only after one full lunar year of ownership (hawl).

Estimate only, not a ZATCA filing — zakat on shares depends on intent (trading vs long-term). Consult a specialist.

U.S. Bancorp

Health Check

Price, corporate actions & news

Growth & profitability

Dividend return (if you buy today)if you buy today

Dividend history

Quarterly dividends & yield

Corporate actions

Valuation breakdown

Wealth simulator

Community Notes0

Shariah compliance

Zakat estimator