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U.S. Bancorp

USBFinancials

Generated Aug 19, 2026, 10:30 PM UTC

analytical score 10

USB (U.S. Bancorp) analytical snapshot. Revenue grew +4.4% YoY to $28.66B. Net margin at 26.42% (expanding ▲). Return on equity 11.61%, ROA 1.09%, ROIC 0.00%. Market cap $97.88B at $62.82 per share. Trailing P/E 13.60, P/S 3.42, P/B 1.45. Graham number $67.07 (trades below intrinsic). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score 10 (data confidence 73%). Descriptive analytics from public filings — not investment advice.

Market cap
$97.88B
1.56B shares
Price
$62.82
NYQ
P/E (ttm)
13.60
Revenue (FY)
$28.66B
YoY +4.4%
Net margin
26.42%
▲ 2.45pp
Free cash flow
—
Risk level
Elevated

Free SEC analysis

— computed from SEC filings, free to read
Free previewRegulatory Analyst

Filings & Ownership

Regulatory Analyst
score 25Improving
80% conf

Latest quarterly report (10-Q) filed Aug 6, 2026. 2 recent 8-K material-event filings in the index. Recent insider Form 4s: 0 buy vs 0 sell transactions.

  • Latest quarterly report (10-Q) filed Aug 6, 2026.
  • 2 recent 8-K material-event filings in the index.
  • Recent insider Form 4s: 0 buy vs 0 sell transactions.
  • ~9289 recent 13F-HR filings reference U.S. Bancorp; broad institutional reporting.
  • Recent filers include US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS), US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS), INVESTORS TRUST CO /PA.
  • 7 recent 13D activist/beneficial-ownership filings — potential catalyst.
  • 13 recent 13G passive institutional ownership notices.
Latest 10-K
—
Latest 10-Q
Aug 6, 2026
8-K (recent)
2
Insider net
—
0B/0S
13F filers
9289
Activist 13D
7
Recent 13F institutional filers (SEC EDGAR full-text)
FilerFormFiled
US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS)13F-HRJul 24, 2025
US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS)13F-HRMay 8, 2025
INVESTORS TRUST CO /PA13F-HRMay 10, 2001
US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS)13F-HRFeb 5, 2025
US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS)13F-HRNov 12, 2025
Recent 8-K material events
DateFormDescription
Jul 16, 20268-K8-K
Jun 24, 20268-K8-K
Sources:SEC EDGAR — Company FilingsSEC EDGAR — Full-Text Search
Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst
score -19Deteriorating
58% conf

1 risk signal(s), 1 watch item(s) detected from XBRL filing diff analysis. 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.

  • Earnings-cash flow divergence: Net income grew +20.2% while operating cash flow declined -29.3%. This divergence may indicate accrual-based earnings inflation — non-cash gains, aggressive revenue recognition, or working capital absorption. The accrual ratio (NI − OCF) is deteriorating.
  • NEW: Impairment charge: Impairment charge appears in recent filings but not in the prior 24-month period. Monitor for materiality.
  • Endogenous analysis: 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
  • 1 new XBRL disclosure(s) in latest filing — expanding reporting scope.
  • 20 disclosure(s) dropped from prior year — reduced reporting granularity.
  • 1 new risk-language term(s) detected in filing text: Impairment charge.
Revenue
$28.66B
+4.4% YoY
Net income
$7.57B
+20.2% YoY
Operating cash flow
$7.97B
-29.3% YoY
Total assets
$692.35B
+2.1% YoY
Total liabilities
$626.69B
+1.2% YoY
Long-term debt
$39.83B
+24.0% YoY
Cash & equivalents
$46.89B
-17.0% YoY
Stockholders equity
$65.19B
+11.3% YoY
Filing quality score
67/100
1 new disclosures
SEC XBRL metric changes (latest annual vs prior)
MetricPrior yearLatest yearChange% Change
Revenue$27.45B$28.66B$1.20B+4.4%
Net income$6.30B$7.57B$1.27B+20.2%
Operating cash flow$11.27B$7.97B$-3.30B-29.3%
Total assets$678.32B$692.35B$14.03B+2.1%
Total liabilities$619.28B$626.69B$7.42B+1.2%
Long-term debt$32.13B$39.83B$7.70B+24.0%
Cash & equivalents$56.50B$46.89B$-9.61B-17.0%
Stockholders equity$58.58B$65.19B$6.62B+11.3%
Interest expense$3.22B$12.61B$9.39B+292.0%
XBRL disclosure changes (new vs dropped concepts)
TypeConcepts
AddedUnusedCommitmentsToExtendCredit
RemovedAllocatedShareBasedCompensationExpense, AllocatedShareBasedCompensationExpenseNetOfTax, CommonStockCapitalSharesReservedForFutureIssuance, CommonStockSharesOutstanding, CurrentFederalTaxExpenseBenefit, CurrentForeignTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit, DeferredFederalIncomeTaxExpenseBenefit, DeferredForeignIncomeTaxExpenseBenefit
Risk language in filing text (EDGAR full-text search)
TermSeverityRecentPriorStatus
Impairment chargemedium50NEW
Restructuringmedium58Ongoing
Off-balance sheet arrangementsmedium510Ongoing
Related party transactionslow50NEW
Filing signal breakdown
Red flags: 1
Positive: 0
Watch: 1
Red flags
Positive
Watch
Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports
Free previewFundamentals Analyst

Fundamentals

Fundamentals Analyst
score 25Improving
60% conf

Revenue grew +4.4% YoY to $28.66B. Net margin at 26.42% (expanding ▲). Return on equity 11.61%, ROA 1.09%, ROIC 0.00%.

  • Revenue grew +4.4% YoY to $28.66B.
  • Net margin at 26.42% (expanding ▲).
  • Return on equity 11.61%, ROA 1.09%, ROIC 0.00%.
  • Gross margin 0.00%, operating margin 0.00%.
  • Net income up ▲ +20.2% YoY.
  • Debt/equity 0.64, current ratio —, net debt $34.82B.
  • Asset turnover 0.04 — capital efficiency.
Revenue (FY)
$28.66B
YoY +4.4%
Net margin
26.42%
▲ 2.45pp
ROE
11.61%
ROA 1.09%
ROIC
0.00%
EPS (diluted)
$4.62
FY2025
Free cash flow
—
Debt / equity
0.64
Cash $8.25B
Current ratio
—
Equity $67.43B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
FYRevenueRev YoYGross%Op%Net%FCFROE%
2024$27.45B-2.4%0.000.0022.94—10.75
2025$28.66B+4.4%0.000.0026.42—11.61
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
Quarter endRevenueYoYQoQNet margin
Sep 30, 2024$6.86B-2.4%—24.97%
Mar 31, 2025$6.96B+3.6%+1.4%24.56%
Jun 30, 2025$7.00B+2.0%+0.7%25.91%
Sep 30, 2025$7.33B+6.8%+4.6%27.30%
Mar 31, 2026$7.29B+4.7%-0.6%26.69%
Jun 30, 2026$7.71B+10.1%+5.8%28.23%
Sources:SEC EDGAR — Company Facts (XBRL)
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Valuation

Valuation Analyst
score 0Stable
83% conf

Market cap $97.88B at $62.82 per share. Trailing P/E 13.60, P/S 3.42, P/B 1.45. Graham number $67.07 (trades below intrinsic).

  • Market cap $97.88B at $62.82 per share.
Market cap
$97.88B
1.56B shares
P/E (ttm)
13.60
P/S
3.42
P/B
1.45
EV
$132.70B
Intrinsic (DCF)
—
ProFull breakdown & reasoning locked

Price & Technicals

Technical Analyst
score 45Improving
85% conf

Price $62.82 — uptrend (above 200-DMA); 1-month momentum negative. RSI(14) 49.33.

  • Price $62.82 — uptrend (above 200-DMA); 1-month momentum negative.
Price
$62.82
NYQ
RSI(14)
49.33
50-DMA
$61.78
200-DMA
$55.62
Volatility (ann.)
22.45%
52w range
$45.02–$66.08
-4.9% from high
ProFull breakdown & reasoning locked

Macro & Rates

Macro Analyst
score 30Improving
80% conf

Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.71%.

  • Market regime: Risk-on · Supportive.
GDP growth
1.50%
CPI (YoY)
+3.3%
Fed funds
3.63%
10Y yield
4.71%
10Y−2Y
0.46pp
Unemployment
4.10%
ProFull breakdown & reasoning locked

Risk Scorecard

Risk Analyst
score -18Deteriorating
83% conf

Composite risk Elevated. Leverage debt/equity 0.64 (moderate). Earnings stability: net-margin stdev 4.63pp over 11y.

  • Composite risk: Elevated.
Risk level
Elevated
Debt / equity
0.64
Current ratio
—
Margin stdev
4.63pp
Cash / assets
1.14%
Liab / assets
90.65%
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Macro exposure

Rate-sensitive · High sensitivity
Neutral

Macro regime: Risk-on · Supportive. U.S. Bancorp is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.

Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
15.84
Fed funds
3.63%
CPI YoY
+3.3%

Analytical read

deterministic preview

Revenue grew **+4.4%** YoY to $28.66B..

Risk
Elevated
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Open analytical workspace

Peer comparison

Rate-sensitive group

How USB stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.

CompanyScoreMacro
Allstate Corp. ALL30Neutral
Visa Inc. V24Neutral
CME Group Inc. CME22Neutral
Capital One Financial COF21Neutral
Charles Schwab Corp. SCHW19Neutral
Digital Realty Trust DLR11Neutral
Mastercard Inc. MA11Neutral
U.S. Bancorp USB● you10Neutral
Travelers Cos. TRV10Neutral
American Express Co. AXP10Neutral
Simon Property Group SPG9Neutral
Welltower Inc. WELL9Neutral
Chubb Ltd. CB8Neutral
MetLife Inc. MET7Neutral
JPMorgan Chase & Co. JPM7Neutral
Dominion Energy D4Neutral
Bank of America Corp. BAC3Neutral
Moody's Corp. MCO2Neutral
PNC Financial Services PNC2Neutral
Citigroup Inc. C1Neutral
BlackRock Inc. BLK1Neutral
American Electric Power AEP0Neutral
Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
American Tower Corp. AMT0Neutral
Wells Fargo & Co. WFC0Neutral
Truist Financial TFC-1Neutral
American Water Works AWK-2Neutral
Equinix Inc. EQIX-4Neutral
Goldman Sachs Group GS-4Neutral
Prologis Inc. PLD-5Neutral
Xcel Energy XEL-5Neutral
Public Storage PSA-5Neutral
Realty Income Corp. O-6Neutral
Southern Company SO-7Neutral
Morgan Stanley MS-8Neutral
Equity Residential EQR-10Neutral
NextEra Energy NEE-13Neutral
Duke Energy Corp. DUK-16Neutral
Exelon Corp. EXC-17Neutral
S&P Global SPGI-19Neutral
American International Group AIG-20Neutral
Crown Castle Inc. CCI-21Neutral