USB vs TFC Comparison: AI Score, Valuation, Performance and Upside
Compare U.S. Bancorp and Truist Financial by net interest margin, efficiency ratio, credit quality, and dividend yield.
Use this U.S. Bancorp vs Truist Financial comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
USB holds the edge across 3 of 5 key metrics in this comparison. USB has delivered stronger 1-year price return (+28.46% vs +11.74%), though TFC has the better forward P/E setup (10.11x vs 10.79x for USB). On fundamentals, USB is growing revenue faster (10.40%), while TFC maintains the higher operating margin (39.81%) — a classic growth-versus-profitability split. Analyst consensus implies similar upside for both: +12.56% for USB and +9.78% for TFC.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | USB | TFC |
|---|---|---|
| AI scorei | 43.3 | 42.4 |
| AI ranki | #876 | #954 |
| Latest closei | $59.89 | $49.41 |
| 1M returni | +4.14% | +6.37% |
| 3M returni | -6.76% | -6.17% |
| 6M returni | +7.72% | -1.08% |
| 1Y returni | +28.46% | +11.74% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | USB | TFC |
|---|---|---|
| 1Y ago | $12.9K (+29.0%) started 2025-11-04 | $11.3K (+13.0%) started 2025-11-04 |
| 5Y ago | $13.85K (+38.5%) started 2021-11-04 | $11.46K (+14.6%) started 2021-11-04 |
| 10Y ago | $26.71K (+167.1%) started 2016-11-04 | $28.02K (+180.2%) started 2016-11-04 |
Hypothetical — past performance does not guarantee future results.
| Metric | USB | TFC |
|---|---|---|
| Market capi | $97.33B | $61.61B |
| Trailing P/Ei | 12.47 | 11.59 |
| Forward P/Ei | 10.79 | 10.11 |
| Price/Salesi | 2.75 | 4.62 |
| EV/Revenuei | 4.90 | 4.72 |
| Analyst targeti | $70.32 | $55.36 |
| Target upsidei | +12.56% | +9.78% |
| Metric | USB | TFC |
|---|---|---|
| Revenue growthi | 10.40% | 8.20% |
| Earnings growthi | 21.60% | 36.70% |
| EPS growthi | +21.60% | +36.70% |
| FCF margini | N/A | N/A |
| Operating margini | 39.65% | 39.81% |
| Profit margini | 29.90% | 30.69% |
| ROIC proxyi | 12.62% | 9.06% |
| Return on equityi | 12.62% | 9.06% |
| Dividend yieldi | 3.33% | 4.14% |
| Payout ratioi | 41.52% | 53.61% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 0.98 | 0.87 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, USB and TFC have moved strongly in the same direction (correlation of 0.87), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | USB | TFC |
|---|---|---|---|
| 1Y | Growthi | +28.99% | +12.99% |
| CAGRi | +29.06% | +13.02% | |
| Volatilityi | 22.21% | 23.34% | |
| Sharpe ratioi | 1.07 | 0.46 | |
| Sortino ratioi | 1.53 | 0.61 | |
| Max drawdowni | 16.21% | 21.47% | |
| Current drawdowni | 8.45% | 11.47% | |
| Avg drawdowni | 5.54% | 8.82% | |
| Ulcer Indexi | 7.43% | 10.70% | |
| Max daily dropi | 4.86% | 6.16% | |
| Max wkly dropi | 6.82% | 8.48% | |
| 5Y | Growthi | +16.64% | -6.61% |
| CAGRi | +3.13% | -1.36% | |
| Volatilityi | 29.53% | 31.61% | |
| Sharpe ratioi | 0.10 | -0.03 | |
| Sortino ratioi | 0.14 | -0.04 | |
| Max drawdowni | 52.13% | 59.11% | |
| Current drawdowni | 8.45% | 12.33% | |
| Avg drawdowni | 20.35% | 26.95% | |
| Ulcer Indexi | 23.92% | 30.30% | |
| Max daily dropi | 10.04% | 16.99% | |
| Max wkly dropi | 22.45% | 30.13% | |
| 10Y | Growthi | +86.11% | +83.80% |
| CAGRi | +6.41% | +6.28% | |
| Volatilityi | 30.41% | 33.67% | |
| Sharpe ratioi | 0.21 | 0.22 | |
| Sortino ratioi | 0.30 | 0.31 | |
| Max drawdowni | 52.13% | 59.11% | |
| Current drawdowni | 8.45% | 12.33% | |
| Avg drawdowni | 16.00% | 18.47% | |
| Ulcer Indexi | 20.63% | 23.76% | |
| Max daily dropi | 14.44% | 19.10% | |
| Max wkly dropi | 27.80% | 30.70% |
| Category | USB | TFC |
|---|---|---|
| Company | USB | TFC |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| Core business | U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United Stat… | Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. |
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