Profitability
Weight: 25%
C-
51
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.0%
- Operating Margin Trend -4.95 pp/yr
USB
U.S. Bancorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B
71
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 13.9%
- 5yr Share-Count CAGR 1.1%
Growth Quality
Weight: 10%
B
70
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 18.2%
- 5yr EPS CAGR -2.5%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
92
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.85x
Balance Sheet
Weight: 30%
C
56
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 9.4%
- Interest Coverage (EBIT/Int) 0.66x
Stability
Weight: 10%
B
73
- EPS Volatility (σ/μ) 0.17
- Piotroski F-Score 6
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 1 added; 3 trimmed.
- Holders
- 4
- Avg Δ position
- -15.8%
- New buys
- 0
- Full exits
- 0
- Dalio decreased -46%
- Wood decreased -24%
- Greenblatt increased +16%