TRV vs. USB
TRV (The Travelers Companies, Inc.) and USB (U.S. Bancorp) are both stocks. Both are in the Financial Services sector — TRV in Insurance - Property & Casualty, USB in Banks - Regional. Over the past 10 years, TRV returned 14.59%/yr vs 8.02%/yr for USB. At a 0.49 correlation, their price movements are largely independent.
Performance
TRV vs. USB - Performance Comparison
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Returns By Period
In the year-to-date period, TRV achieves a 28.04% return, which is significantly higher than USB's 20.57% return. Over the past 10 years, TRV has outperformed USB with an annualized return of 14.59%, while USB has yielded a comparatively lower 8.02% annualized return.
TRV
- 1D
- -0.13%
- 1M
- 19.72%
- 6M
- 37.85%
- YTD
- 28.04%
- 1Y
- 40.75%
- 3Y*
- 31.04%
- 5Y*
- 21.74%
- 10Y*
- 14.59%
- ALL TIME*
- 11.80%
USB
- 1D
- 0.00%
- 1M
- 9.53%
- 6M
- 18.27%
- YTD
- 20.57%
- 1Y
- 43.70%
- 3Y*
- 23.37%
- 5Y*
- 6.54%
- 10Y*
- 8.02%
- ALL TIME*
- 13.10%
TRV vs. USB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRV The Travelers Companies, Inc. | 28.04% | 22.38% | 28.76% | 3.93% | 22.42% | 13.96% | 5.31% | 17.00% | -9.64% | 13.36% |
USB U.S. Bancorp | 20.57% | 16.48% | 15.62% | 4.79% | -19.13% | 24.32% | -17.85% | 33.62% | -12.36% | 6.61% |
Correlation
The correlation between TRV and USB is 0.38, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.38 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.36 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.45 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.51 |
Correlation (All Time) Calculated using the full available price history since Apr 22, 1996 | 0.49 |
The correlation between TRV and USB shifts across timeframes, from 0.36 (3 years) to 0.51 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
TRV:
$78.36B
USB:
$98.36B
TRV:
$37.59
USB:
$5.25
TRV:
9.80
USB:
12.02
TRV:
1.66
USB:
2.25
TRV:
2.38
USB:
1.62
TRV:
$48.98B
USB:
$43.74B
TRV:
$17.01B
USB:
$27.90B
TRV:
$11.31B
USB:
$10.86B
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Return for Risk
TRV vs. USB — Risk / Return Rank
TRV
USB
TRV vs. USB - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for The Travelers Companies, Inc. (TRV) and U.S. Bancorp (USB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| TRV | USB | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.05 | ||
| Sortino ratioReturn per unit of downside risk | +0.42 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 1.34 | +0.03 |
| Calmar ratioReturn relative to maximum drawdown | 4.93 | 2.71 | +2.22 |
| Martin ratioReturn relative to average drawdown | 12.51 | 6.89 | +5.62 |
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Drawdowns
TRV vs. USB - Drawdown Comparison
The maximum TRV drawdown since its inception was -55.11%, smaller than the maximum USB drawdown of -76.08%. Use the drawdown chart below to compare losses from any high point for TRV and USB.
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Drawdown Indicators
| TRV | USB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.11% | -76.08% | +20.97% |
Max Drawdown (1Y)Largest decline over 1 year | -8.31% | -16.21% | +7.90% |
Max Drawdown (3Y)Largest decline over 3 years | -12.47% | -30.63% | +18.16% |
Max Drawdown (5Y)Largest decline over 5 years | -18.90% | -52.13% | +33.23% |
Max Drawdown (10Y)Largest decline over 10 years | -46.28% | -52.13% | +5.85% |
Current DrawdownCurrent decline from peak | -0.13% | -1.36% | +1.23% |
Average DrawdownAverage peak-to-trough decline | -11.08% | -15.59% | +4.51% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.27% | 6.36% | -3.09% |
Volatility
TRV vs. USB - Volatility Comparison
The Travelers Companies, Inc. (TRV) has a higher volatility of 10.55% compared to U.S. Bancorp (USB) at 6.03%. This indicates that TRV's price experiences larger fluctuations and is considered to be riskier than USB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRV | USB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.55% | 6.03% | +4.52% |
Volatility (6M)Calculated over the trailing 6-month period | 15.87% | 17.23% | -1.36% |
Volatility (1Y)Calculated over the trailing 1-year period | 20.40% | 22.42% | -2.02% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 22.18% | 29.63% | -7.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 24.60% | 30.29% | -5.69% |
Dividends
TRV vs. USB - Dividend Comparison
TRV's dividend yield for the trailing twelve months is around 1.23%, less than USB's 3.29% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRV The Travelers Companies, Inc. | 1.23% | 1.50% | 1.72% | 2.06% | 1.96% | 2.23% | 2.40% | 2.36% | 2.53% | 2.09% | 2.14% | 2.11% |
USB U.S. Bancorp | 3.29% | 3.82% | 4.14% | 4.46% | 4.31% | 3.13% | 3.61% | 2.66% | 2.93% | 2.16% | 2.08% | 2.37% |
Financials
TRV vs. USB - Financials Comparison
This section allows you to compare key financial metrics between The Travelers Companies, Inc. and U.S. Bancorp. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
TRV vs. USB - Profitability Comparison
TRV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, The Travelers Companies, Inc. reported a gross profit of 4.45B and revenue of 12.15B. Therefore, the gross margin over that period was 36.6%.
USB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, U.S. Bancorp reported a gross profit of 7.15B and revenue of 10.92B. Therefore, the gross margin over that period was 65.4%.
TRV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, The Travelers Companies, Inc. reported an operating income of 2.88B and revenue of 12.15B, resulting in an operating margin of 23.7%.
USB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, U.S. Bancorp reported an operating income of 2.72B and revenue of 10.92B, resulting in an operating margin of 24.9%.
TRV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, The Travelers Companies, Inc. reported a net income of 2.21B and revenue of 12.15B, resulting in a net margin of 18.2%.
USB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, U.S. Bancorp reported a net income of 2.18B and revenue of 10.92B, resulting in a net margin of 19.9%.
Frequently Asked Questions
TRV and USB have a correlation of 0.38, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TRV has higher volatility (10.55%) compared to USB (6.03%). In terms of maximum drawdown, TRV dropped -55.11% vs USB's -76.08%.
TRV currently has the higher Sharpe Ratio (2.01 vs 1.96), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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