Profitability
Weight: 25%
C-
45
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 61.0%
- Efficiency Ratio Trend +0.99 pp/yr
USB
U.S. Bancorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
63
- 5yr Avg ROE 11.6%
- 5yr Share-Count CAGR 0.6%
Growth Quality
Weight: 15%
C+
60
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 11.2%
- Efficiency Ratio Trend (growth quality check) +0.99 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
B-
65
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.04
Balance Sheet
Weight: 20%
B+
76
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 9.4%
Stability
Weight: 10%
B
73
- EPS Volatility (σ/μ) 0.17
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 2 added; 2 trimmed.
- Holders
- 4
- Avg Δ position
- +70.3%
- New buys
- 0
- Full exits
- 0