UNCRY vs. USB

Last updated Jun 3, 2026

UNCRY (UniCredit SpA ADR) and USB (U.S. Bancorp) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, UNCRY returned 54.58%/yr vs 2.27%/yr for USB. At a 0.41 correlation, their price movements are largely independent.

Performance

UNCRY vs. USB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in UniCredit SpA ADR (UNCRY) and U.S. Bancorp (USB). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, UNCRY achieves a 7.62% return, which is significantly higher than USB's 3.38% return.

UNCRY

• 1D: 1.51%
• 1M: 12.18%
• YTD: 7.62%
• 6M: 17.60%
• 1Y: 39.93%
• 3Y*: 71.32%
• 5Y*: 54.58%
• 10Y*: —

USB

• 1D: 1.96%
• 1M: -3.02%
• YTD: 3.38%
• 6M: 12.11%
• 1Y: 30.48%
• 3Y*: 25.53%
• 5Y*: 2.27%
• 10Y*: 6.39%

*Multi-year figures are annualized to reflect compound growth (CAGR)

UNCRY vs. USB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
UNCRY UniCredit SpA ADR	7.62%	118.78%	57.92%	103.38%	-2.49%	71.06%	-37.52%	30.84%	-40.77%	0.52%
USB U.S. Bancorp	3.38%	16.48%	15.62%	4.79%	-19.13%	24.32%	-17.85%	33.62%	-12.36%	-1.25%

Correlation

The correlation between UNCRY and USB is 0.41, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.41
Correlation (3Y) Calculated over the trailing 3-year period	0.32
Correlation (5Y) Calculated over the trailing 5-year period	0.38
Correlation (All Time) Calculated using the full available price history since Dec 20, 2017	0.41

Fundamentals

Market Cap UNCRY : $131.40B USB : $84.90B
EPS UNCRY : $3.58 USB : $5.02
PE Ratio UNCRY : 12.16 USB : 10.88
PS Ratio UNCRY : 5.83 USB : 1.96
PB Ratio UNCRY : 1.92 USB : 1.44
Total Revenue (TTM) UNCRY : $24.09B USB : $43.34B
Gross Profit (TTM) UNCRY : $23.20B USB : $27.22B
EBITDA (TTM) UNCRY : $14.22B USB : $10.34B

Return for Risk

UNCRY vs. USB — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

UNCRY

UNCRY Risk / Return Rank: 71
UNCRY Sharpe Ratio Rank: 76
UNCRY Sortino Ratio Rank: 70
UNCRY Omega Ratio Rank: 68
UNCRY Calmar Ratio Rank: 69
UNCRY Martin Ratio Rank: 72

USB

USB Risk / Return Rank: 75
USB Sharpe Ratio Rank: 79
USB Sortino Ratio Rank: 74
USB Omega Ratio Rank: 73
USB Calmar Ratio Rank: 73
USB Martin Ratio Rank: 74

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

UNCRY vs. USB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for UniCredit SpA ADR (UNCRY) 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.

	UNCRY	USB	Difference
Sharpe ratio Return per unit of total volatility	1.20	1.40	-0.20
Sortino ratio Return per unit of downside risk	1.79	1.97	-0.18
Omega ratio Gain probability vs. loss probability	1.22	1.25	-0.03
Calmar ratio Return relative to maximum drawdown	1.55	1.89	-0.34
Martin ratio Return relative to average drawdown	4.40	4.75	-0.35
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UNCRY vs. USB - Sharpe Ratio Comparison

The current UNCRY Sharpe Ratio is 1.20, which is comparable to the USB Sharpe Ratio of 1.40. The chart below compares the historical Sharpe Ratios of UNCRY and USB, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	UNCRY	USB	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.20	1.40	-0.20
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	1.40	0.08	+1.32
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.21	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.57	0.33	+0.24

Drawdowns

UNCRY vs. USB - Drawdown Comparison

The maximum UNCRY drawdown since its inception was -70.20%, smaller than the maximum USB drawdown of -76.08%. Use the drawdown chart below to compare losses from any high point for UNCRY and USB.

Drawdown Indicators

	UNCRY	USB	Difference
Max Drawdown Largest peak-to-trough decline	-70.20%	-76.08%	+5.88%
Max Drawdown (1Y) Largest decline over 1 year	-27.25%	-16.21%	-11.04%
Max Drawdown (3Y) Largest decline over 3 years	-27.25%	-30.63%	+3.38%
Max Drawdown (5Y) Largest decline over 5 years	-50.77%	-52.13%	+1.36%
Max Drawdown (10Y) Largest decline over 10 years	—	-52.13%	—
Current Drawdown Current decline from peak	-4.37%	-9.11%	+4.74%
Average Drawdown Average peak-to-trough decline	-27.51%	-14.19%	-13.32%
Ulcer Index Depth and duration of drawdowns from previous peaks	9.57%	6.44%	+3.13%

Volatility

UNCRY vs. USB - Volatility Comparison

UniCredit SpA ADR (UNCRY) has a higher volatility of 11.07% compared to U.S. Bancorp (USB) at 6.52%. This indicates that UNCRY'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.

Volatility by Period

	UNCRY	USB	Difference
Volatility (1M) Calculated over the trailing 1-month period	11.07%	6.52%	+4.55%
Volatility (6M) Calculated over the trailing 6-month period	27.02%	16.16%	+10.86%
Volatility (1Y) Calculated over the trailing 1-year period	33.37%	21.84%	+11.53%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	39.30%	29.73%	+9.57%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	42.28%	30.27%	+12.01%

Dividends

UNCRY vs. USB - Dividend Comparison

UNCRY's dividend yield for the trailing twelve months is around 4.17%, more than USB's 3.77% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
UNCRY UniCredit SpA ADR	4.17%	4.00%	7.31%	3.91%	4.01%	0.94%	0.00%	1.37%	2.29%	0.00%	0.00%	0.00%
USB U.S. Bancorp	3.77%	3.82%	4.14%	4.46%	4.31%	3.13%	3.61%	2.66%	2.93%	2.16%	2.08%	2.37%

Financials

UNCRY vs. USB - Profitability Comparison

The chart below illustrates the profitability comparison between UniCredit SpA ADR and U.S. Bancorp over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

UNCRY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, UniCredit SpA ADR reported a gross profit of 6.62B and revenue of 7.05B. Therefore, the gross margin over that period was 93.9%.

USB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, U.S. Bancorp reported a gross profit of 6.68B and revenue of 10.84B. Therefore, the gross margin over that period was 61.7%.

UNCRY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, UniCredit SpA ADR reported an operating income of 4.38B and revenue of 7.05B, resulting in an operating margin of 62.2%.

USB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, U.S. Bancorp reported an operating income of 2.69B and revenue of 10.84B, resulting in an operating margin of 24.8%.

UNCRY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, UniCredit SpA ADR reported a net income of 3.32B and revenue of 7.05B, resulting in a net margin of 47.1%.

USB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, U.S. Bancorp reported a net income of 1.95B and revenue of 10.84B, resulting in a net margin of 18.0%.

Frequently Asked Questions

Can I hold both UNCRY and USB in my portfolio?

UNCRY and USB have a correlation of 0.41, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, UNCRY or USB?

UNCRY has higher volatility (11.07%) compared to USB (6.52%). In terms of maximum drawdown, UNCRY dropped -70.20% vs USB's -76.08%.

Which has better risk-adjusted returns?

USB currently has the higher Sharpe Ratio (1.40 vs 1.20), 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.