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U.S. Bancorp

USBFinancials

Generated Jul 5, 2026, 08:09 PM UTC

analytical score 17

USB (U.S. Bancorp) analytical snapshot. Revenue grew +15.8% YoY to $28.14B. Net margin at 19.29%. Return on equity 9.27%, ROA 0.80%, ROIC 0.00%. Market cap $95.82B at $61.73 per share. Trailing P/E 18.88, P/S 3.40, P/B 1.46. Graham number $55.84 (trades above intrinsic). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score 17 (data confidence 73%). Descriptive analytics from public filings — not investment advice.

Market cap
$95.82B
1.55B shares
Price
$61.73
NYQ
P/E (ttm)
18.88
Revenue (FY)
$28.14B
YoY +15.8%
Net margin
19.29%
Free cash flow
—
Risk level
Elevated

Free SEC analysis

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

Fundamentals

Fundamentals Analyst
score 40Improving
60% conf

Revenue grew +15.8% YoY to $28.14B. Net margin at 19.29%. Return on equity 9.27%, ROA 0.80%, ROIC 0.00%.

  • Revenue grew +15.8% YoY to $28.14B.
  • Net margin at 19.29%.
  • Return on equity 9.27%, ROA 0.80%, ROIC 0.00%.
  • Gross margin 0.00%, operating margin 0.00%.
  • Net income down ▼ +6.8% YoY.
  • Debt/equity 0.65, current ratio —, net debt $34.82B.
  • Asset turnover 0.04 — capital efficiency.
Revenue (FY)
$28.14B
YoY +15.8%
Net margin
19.29%
ROE
9.27%
ROA 0.80%
ROIC
0.00%
EPS (diluted)
$3.27
FY2025
Free cash flow
—
Debt / equity
0.65
Cash $8.25B
Current ratio
—
Equity $65.79B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
FYRevenueRev YoYGross%Op%Net%FCFROE%
2016$20.31B—0.000.0028.81—12.68
2017$21.31B+4.9%0.000.0027.59—12.43
2018$21.90B+2.8%0.000.0026.88—12.01
2019——————12.19
2020——————13.68
2021——————13.02
2022——————9.03
2023$24.30B—0.000.0032.77—15.69
2024$24.30B0.0%0.000.0023.97—10.53
2025$28.14B+15.8%0.000.0019.29—9.27
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
Quarter endRevenueYoYQoQNet margin
Mar 31, 2025$6.96B+3.6%—24.56%
Jun 30, 2025$13.96B+2.8%+100.7%25.24%
Jun 30, 2025$7.00B-48.4%-49.8%50.31%
Sep 30, 2025$21.29B+4.1%+204.0%25.95%
Sep 30, 2025$7.33B-64.2%-65.6%75.39%
Mar 31, 2026$7.29B+4.7%-0.6%26.69%
Revenue (annual, SEC 10-K)
2016: 20,306
2017: 21,308
2018: 21,902
2019: 0
2020: 0
2021: 0
2022: 0
2023: 24,302
2024: 24,302
2025: 28,144
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Profitability trends (%)
0.08.216.424.632.8201620182020202220242025
GrossOperatingNet
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst

Filings & Ownership

Regulatory Analyst
score 25Improving
80% conf

Latest quarterly report (10-Q) filed May 4, 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 May 4, 2026.
  • 2 recent 8-K material-event filings in the index.
  • Recent insider Form 4s: 0 buy vs 0 sell transactions.
  • ~9239 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), US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS).
  • 7 recent 13D activist/beneficial-ownership filings — potential catalyst.
  • 13 recent 13G passive institutional ownership notices.
Latest 10-K
—
Latest 10-Q
May 4, 2026
8-K (recent)
2
Insider net
—
0B/0S
13F filers
9239
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-HRFeb 5, 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-HRNov 12, 2025
Recent 8-K material events
DateFormDescription
Jun 24, 20268-K8-K
Apr 23, 20268-K8-K
Sources:SEC EDGAR — Company FilingsSEC EDGAR — Full-Text Search
Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst
score -12Deteriorating
58% conf

1 risk signal(s), 1 positive signal(s) detected from XBRL filing diff analysis. 1 positive signal(s) versus 1 risk signal(s). The filing exhibits more constructive indicators than concerns, though individual risk factors should still be monitored.

  • Material weakness in internal controls: The term "material weakness" appears in 19 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
  • Operating cash flow exceeds net income: OCF is 1.55x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
  • Endogenous analysis: 1 positive signal(s) versus 1 risk signal(s). The filing exhibits more constructive indicators than concerns, though individual risk factors should still be monitored.
  • 1 new XBRL disclosure(s) in latest filing — expanding reporting scope.
  • 20 disclosure(s) dropped from prior year — reduced reporting granularity.
  • Ongoing high-severity risk language: Material weakness in internal controls.
Revenue
$28.14B
+15.8% YoY
Net income
$5.43B
-6.8% YoY
Operating cash flow
$8.39B
-60.3% YoY
Total assets
$678.32B
+2.2% YoY
Total liabilities
$619.28B
+1.9% YoY
Long-term debt
$32.13B
-22.2% YoY
Cash & equivalents
$6.21B
-9.5% YoY
Stockholders equity
$58.58B
+5.9% YoY
Filing quality score
67/100
1 new disclosures
SEC XBRL metric changes (latest annual vs prior)
MetricPrior yearLatest yearChange% Change
Revenue$24.30B$28.14B$3.84B+15.8%
Net income$5.83B$5.43B$-396.0M-6.8%
Operating cash flow$21.12B$8.39B$-12.73B-60.3%
Total assets$663.49B$678.32B$14.83B+2.2%
Total liabilities$607.72B$619.28B$11.56B+1.9%
Long-term debt$41.30B$32.13B$-9.17B-22.2%
Cash & equivalents$6.86B$6.21B$-653.0M-9.5%
Stockholders equity$55.31B$58.58B$3.27B+5.9%
Interest expense$2.02B$993.0M$-1.02B-50.7%
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
Material weakness in internal controlshigh192Ongoing
Restructuringmedium1149Ongoing
Off-balance sheet arrangementsmedium12310Ongoing
Filing signal breakdown
Red flags: 1
Positive: 1
Watch: 0
Red flags
Positive
Watch
Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports

Unlock the rest

  • Valuation
    Market cap $95.82B at $61.73 per share.
    Pro
  • Price & Technicals
    Price $61.73 — uptrend (above 200-DMA); 1-month momentum positive.
    Pro
  • Macro & Rates
    Market regime: Risk-on · Supportive.
    Pro
  • Risk Scorecard
    Composite risk: Elevated.
    Pro

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3 sections free · 4 Pro sections locked · composite 17

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
16.59
Fed funds
3.63%
CPI YoY
+4.2%

Analytical read

deterministic preview

Revenue grew **+15.8%** YoY to $28.14B..

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
Capital One Financial COF23Neutral
Chubb Ltd. CB23Neutral
U.S. Bancorp USB● you17Neutral
JPMorgan Chase & Co. JPM16Neutral
Prologis Inc. PLD14Neutral
Simon Property Group SPG13Neutral
American Express Co. AXP11Neutral
Bank of America Corp. BAC11Neutral
Visa Inc. V8Neutral
Mastercard Inc. MA8Neutral
Public Storage PSA8Neutral
Dominion Energy D6Neutral
Charles Schwab Corp. SCHW6Neutral
CME Group Inc. CME6Neutral
PNC Financial Services PNC4Neutral
Realty Income Corp. O4Neutral
Travelers Cos. TRV2Neutral
NextEra Energy NEE0Neutral
Duke Energy Corp. DUK0Neutral
Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
Equity Residential EQR0Neutral
Wells Fargo & Co. WFC-1Neutral
Welltower Inc. WELL-1Neutral
Exelon Corp. EXC-3Neutral
Xcel Energy XEL-5Neutral
American International Group AIG-5Neutral
Digital Realty Trust DLR-6Neutral
Allstate Corp. ALL-7Neutral
S&P Global SPGI-8Neutral
American Water Works AWK-9Neutral
Goldman Sachs Group GS-10Neutral
Citigroup Inc. C-11Neutral
Moody's Corp. MCO-13Neutral
Morgan Stanley MS-13Neutral
MetLife Inc. MET-13Neutral
BlackRock Inc. BLK-15Neutral
Equinix Inc. EQIX-16Neutral
American Electric Power AEP-18Neutral
Crown Castle Inc. CCI-18Neutral
American Tower Corp. AMT-35Neutral
Southern Company SO—Neutral
Truist Financial TFC—Neutral