USB vs. TFC
USB (U.S. Bancorp) and TFC (Truist Financial Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, USB returned 8.19%/yr vs 7.89%/yr for TFC. Their 0.64 correlation means they have sometimes moved together and sometimes differently.
Performance
USB vs. TFC - Performance Comparison
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Returns By Period
In the year-to-date period, USB achieves a 20.33% return, which is significantly higher than TFC's 7.53% return. Both investments have delivered pretty close results over the past 10 years, with USB having a 8.19% annualized return and TFC not far behind at 7.89%.
USB
- 1D
- 0.17%
- 1M
- 2.07%
- 6M
- 14.43%
- YTD
- 20.33%
- 1Y
- 49.12%
- 3Y*
- 22.98%
- 5Y*
- 7.13%
- 10Y*
- 8.19%
- ALL TIME*
- 13.09%
TFC
- 1D
- -0.33%
- 1M
- 1.69%
- 6M
- 2.91%
- YTD
- 7.53%
- 1Y
- 26.14%
- 3Y*
- 22.63%
- 5Y*
- 3.88%
- 10Y*
- 7.89%
- ALL TIME*
- 9.44%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $389.90M | $407.02M | $443.00M | |
USB U.S. Bancorp | $538.30M | $518.99M | $524.10M |
USB vs. TFC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USB U.S. Bancorp | 20.33% | 16.48% | 15.62% | 4.79% | -19.13% | 24.32% | -17.85% | 33.62% | -12.36% | 6.61% |
TFC Truist Financial Corporation | 7.53% | 19.05% | 23.72% | -8.59% | -23.53% | 26.08% | -11.16% | 34.55% | -10.24% | 8.66% |
Correlation
The correlation between USB and TFC is 0.86, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.86 |
Correlation (3Y) Balances recent behavior with more history. | 0.81 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.82 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.83 |
Correlation (All Time) Calculated using the full available price history since Mar 26, 1990 | 0.64 |
Over the past year, USB and TFC have become more correlated (0.86) than their long-term average of 0.64, meaning their price movements have been converging.
Fundamentals
USB:
$98.15B
TFC:
$64.59B
USB:
$5.25
TFC:
$4.58
USB:
11.99
TFC:
11.31
USB:
2.24
TFC:
2.16
USB:
1.62
TFC:
1.09
USB:
$43.74B
TFC:
$30.52B
USB:
$27.90B
TFC:
$19.54B
USB:
$10.86B
TFC:
$7.27B
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Return for Risk
USB vs. TFC — Risk / Return Rank
USB
TFC
USB vs. TFC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for U.S. Bancorp (USB) and Truist Financial Corporation (TFC). 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.
| USB | TFC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.04 | ||
| Sortino ratioReturn per unit of downside risk | +1.30 | ||
| Omega ratioGain probability vs. loss probability | 1.35 | 1.19 | +0.16 |
| Calmar ratioReturn relative to maximum drawdown | 2.83 | 1.16 | +1.67 |
| Martin ratioReturn relative to average drawdown | 7.25 | 2.93 | +4.32 |
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Drawdowns
USB vs. TFC - Drawdown Comparison
The maximum USB drawdown since its inception was -76.08%, which is greater than TFC's maximum drawdown of -66.56%. Use the drawdown chart below to compare losses from any high point for USB and TFC.
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Drawdown Indicators
| USB | TFC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -76.08% | -66.56% | -9.52% |
Max Drawdown (1Y)Largest decline over 1 year | -16.21% | -20.67% | +4.46% |
Max Drawdown (3Y)Largest decline over 3 years | -30.63% | -26.93% | -3.70% |
Max Drawdown (5Y)Largest decline over 5 years | -52.13% | -59.11% | +6.98% |
Max Drawdown (10Y)Largest decline over 10 years | -52.13% | -59.11% | +6.98% |
Current DrawdownCurrent decline from peak | -2.26% | -5.19% | +2.93% |
Average DrawdownAverage peak-to-trough decline | -15.58% | -13.81% | -1.77% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.33% | 8.19% | -1.86% |
Volatility
USB vs. TFC - Volatility Comparison
The current volatility for U.S. Bancorp (USB) is 6.25%, while Truist Financial Corporation (TFC) has a volatility of 6.92%. This indicates that USB experiences smaller price fluctuations and is considered to be less risky than TFC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USB | TFC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.25% | 6.92% | -0.67% |
Volatility (6M)Calculated over the trailing 6-month period | 17.34% | 19.34% | -2.00% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.68% | 24.20% | -1.52% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.62% | 31.74% | -2.12% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 30.30% | 33.61% | -3.31% |
Dividends
USB vs. TFC - Dividend Comparison
USB's dividend yield for the trailing twelve months is around 3.30%, less than TFC's 4.01% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TFC Truist Financial Corporation | 4.01% | 4.23% | 4.79% | 5.63% | 4.65% | 3.18% | 3.76% | 3.04% | 3.60% | 2.53% | 2.45% | 2.78% |
USB U.S. Bancorp | 3.30% | 3.82% | 4.14% | 4.46% | 4.31% | 3.13% | 3.61% | 2.66% | 2.93% | 2.16% | 2.08% | 2.37% |
Financials
USB vs. TFC - Financials Comparison
This section allows you to compare key financial metrics between U.S. Bancorp and Truist Financial Corporation. 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
USB vs. TFC - Profitability Comparison
USB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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%.
TFC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Truist Financial Corporation reported a gross profit of 4.87B and revenue of 7.61B. Therefore, the gross margin over that period was 64.0%.
USB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, U.S. Bancorp reported an operating income of 2.72B and revenue of 10.92B, resulting in an operating margin of 24.9%.
TFC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Truist Financial Corporation reported an operating income of 1.82B and revenue of 7.61B, resulting in an operating margin of 23.9%.
USB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, U.S. Bancorp reported a net income of 2.18B and revenue of 10.92B, resulting in a net margin of 19.9%.
TFC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Truist Financial Corporation reported a net income of 1.55B and revenue of 7.61B, resulting in a net margin of 20.4%.
Frequently Asked Questions
USB and TFC have a correlation of 0.86, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TFC has higher volatility (6.92%) compared to USB (6.25%). In terms of maximum drawdown, USB dropped -76.08% vs TFC's -66.56%.
USB currently has the higher Sharpe Ratio (2.04 vs 1.00), 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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