Compare Stocks › TXN vs USB
Texas Instruments Incorporated (TXN) vs U.S. Bancorp (USB)
TXN
Texas Instruments Incorporated
$188.29
VS
USB
U.S. Bancorp
$51.30
Rewards
TXN
- ★Texas Instruments Incorporated has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
- ★Each dollar of retained earnings has created $3.91 of market value — management is an exceptional capital allocator.
USB
- ★Each dollar of retained earnings has created $1.80 of market value — management is creating shareholder value.
- ★PEG ratio of 0.45 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
Risks
TXN
- ⚠Trailing P/E of 34.6x is 28% above the historical average of 27.1x — the stock trades at a premium to its own history.
- ⚠7 insider sales totaling $26.5M with no purchases in the past 3 months — insiders are reducing their exposure.
- ⚠Free cash flow has declined at a 24.0% CAGR over the past 4 years — a concerning trend.
USB
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠U.S. Bancorp scores only 12/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
- ⚠Altman Z-Score of 0.28 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
Key Valuation Metrics
Learn more →TXN
USB
Valuation
$-300.62M
Free Cash Flow
N/A
-0.18%
FCF Yield
N/A
34.61
Trailing P/E
11.10
23.81
Forward P/E
9.18
Quality & Moat
15.31%
ROIC
9.90%
30.73%
ROE
N/A
57.02%
Gross Margin
0.00%
N/A
PEG Ratio
0.45
Balance Sheet Safety
0.91
Debt / Equity
N/A
N/A
Interest Coverage
N/A
1.23
Net Debt / EBITDA
N/A
3.02%
Dividend Yield
4.02%
TXN: 2Ties: 1USB: 3
TXNUSB
Historical Fundamentals
Learn more →TXN
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
USB
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →TXN
$3.91
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$1.96B
Δ Market Cap
+$7.67B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
USB
$1.80
created per $1 retained over 3 years
Value Creator
Σ Retained
$9.04B
Δ Market Cap
+$16.23B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →TXN
28.7% Margin of Safety
Price is 28.7% below estimated fair value
Current Price: $188.29
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $264.10
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
USB
50.8% Margin of Safety
Price is 50.8% below estimated fair value
Current Price: $51.30
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $104.28
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →TXN
Requires positive FCF to compute implied growth rate.
USB
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →TXN
48/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with roic consistency as the key competitive advantage. Improving reinvestment efficiency would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
USB
12/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →TXN
-2.67
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
USB
-2.43
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →TXN
Insiders 0.3%Institutions 91.3%Retail & Other 8.4%
No. of Institutional Holders3,137
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
USB
Insiders 0.1%Institutions 83.2%Retail & Other 16.7%
No. of Institutional Holders2,525
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →TXN
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
USB
0
Buys (3M)
1
Buys (12M)
Total value (12M): $186,600
GILLANI ALEEM
Director
$186,600
@ $37.32 · 2025-04-21
GILLANI ALEEM
Director
$449,900
@ $44.99 · 2024-07-18
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →TXN
7
Sells (3M)
10
Sells (12M)
Total value (12M): $28.61M
KOZANIAN HAGOP H
Officer
$1.55M
@ $225.95 · 2026-02-17
LIZARDI RAFAEL R
Chief Financial Officer
$15.88M
@ $221.73 · 2026-02-11
GARY MARK
Officer
$5.24M
@ $226.00 · 2026-02-11
BAHAI AHMAD
Officer
$1.50M
@ $230.79 · 2026-02-11
ROBERTS MARK T
Officer
$986,604
@ $221.16 · 2026-02-09
BLINN MARK A
Director
$696,647
@ $221.58 · 2026-02-05
BAHAI AHMAD
Officer
$670,387
@ $223.46 · 2026-02-05
KIRK RONALD
Director
$1.62M
@ $162.33 · 2025-11-24
WITZSCHE CHRISTINE
Officer
$164,306
@ $164.31 · 2025-11-13
BAHAI AHMAD
Officer
$308,030
@ $205.35 · 2025-08-25
TEMPLETON RICHARD K
Chairman of the Board
$19.85M
@ $195.41 · 2025-02-28
TEMPLETON RICHARD K
Chairman of the Board
$38.65M
@ $199.20 · 2025-02-26
TEMPLETON RICHARD K
Chairman of the Board
$39.32M
@ $202.70 · 2025-02-24
CLARK JANET F
Director
$1.23M
@ $203.62 · 2025-02-24
BLINN MARK A
Director
$1.17M
@ $189.89 · 2025-02-19
LEONARD SHANON J
Officer
$401,241
@ $186.62 · 2025-02-18
BLINN MARK A
Director
$106,617
@ $180.71 · 2025-02-04
KIRK RONALD
Director
$2.14M
@ $203.33 · 2024-11-25
GARY MARK
Officer
$3.49M
@ $219.82 · 2024-11-08
ILAN HAVIV
Chief Executive Officer
$2.88M
@ $219.30 · 2024-11-08
LIZARDI RAFAEL R
Chief Financial Officer
$10.19M
@ $217.16 · 2024-11-07
YUNUS MOHAMMAD
Officer
$1.81M
@ $216.94 · 2024-11-07
BAHAI AHMAD
Officer
$472,514
@ $217.25 · 2024-11-07
GARY MARK
Officer
$940,296
@ $214.83 · 2024-11-06
WITZSCHE CHRISTINE
Officer
$27,941
@ $211.67 · 2024-11-06
ILAN HAVIV
Chief Executive Officer
$5.29M
@ $211.50 · 2024-11-06
SANCHEZ ROBERT E
Director
$2.09M
@ $208.80 · 2024-10-25
RON AMICHAI
Officer
$2.76M
@ $213.72 · 2024-08-29
GARY MARK
Officer
$3.22M
@ $212.63 · 2024-08-29
ROBERTS MARK T
Officer
$1.00M
@ $213.08 · 2024-08-29
PATSLEY PAMELA H
Director
$1.29M
@ $212.43 · 2024-08-29
BAHAI AHMAD
Officer
$892,427
@ $209.98 · 2024-08-27
ILAN HAVIV
Chief Executive Officer
$251,324
@ $209.44 · 2024-08-26
YUNUS MOHAMMAD
Officer
$789,215
@ $208.90 · 2024-08-26
GARY MARK
Officer
$939,037
@ $207.20 · 2024-08-23
KNECHT JULIE C.
Officer
$1.63M
@ $209.49 · 2024-08-23
LEONARD SHANON J
Officer
$588,301
@ $208.91 · 2024-08-23
HOBBY JEAN M
Director
$4.37M
@ $205.71 · 2024-08-22
TEMPLETON RICHARD K
Chairman of the Board
$17.93M
@ $178.47 · 2024-05-03
TEMPLETON RICHARD K
Chairman of the Board
$36.53M
@ $175.64 · 2024-05-02
SANCHEZ ROBERT E
Director
$1.84M
@ $174.97 · 2024-05-01
TEMPLETON RICHARD K
Chairman of the Board
$37.09M
@ $178.34 · 2024-04-30
PATSLEY PAMELA H
Director
$1.79M
@ $179.12 · 2024-04-29
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
USB
2
Sells (3M)
6
Sells (12M)
Total value (12M): $12.75M
RUNKEL MARK G
Officer
$1.95M
@ $60.65 · 2026-02-06
BARCELOS ELCIO R.T.
Officer
$1.01M
@ $58.43 · 2026-02-03
CHOSY JAMES L
General Counsel
$1.26M
@ $46.86 · 2025-10-20
CECERE ANDREW J
Director
$6.51M
@ $46.35 · 2025-10-20
STARK LISA R
Officer
$923,400
@ $46.40 · 2025-07-21
BADRAN SOUHEIL
Chief Operating Officer
$1.10M
@ $46.34 · 2025-07-21
ROY ARIJIT
Officer
$97,701
@ $43.68 · 2025-03-07
RICHARD JODI L
Officer
$1.43M
@ $47.59 · 2025-02-06
CHOSY JAMES L
General Counsel
$1.02M
@ $47.65 · 2025-02-05
CECERE ANDREW J
Chief Executive Officer
$4.82M
@ $47.25 · 2025-02-04
DOLAN TERRANCE ROBERT
Officer
$3.11M
@ $46.96 · 2025-02-03
STARK LISA R
Officer
$151,144
@ $47.10 · 2025-02-03
RICHARD JODI L
Officer
$1.23M
@ $49.03 · 2024-10-18
KOTWAL SHAILESH M
Officer
$1.74M
@ $49.74 · 2024-10-17
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →TXN
😐Neutral(46/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
USB
😐Neutral(47/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →TXN
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (46)
USB
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (47)