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USB

NYSE · USD

U.S. Bancorp

Financial Services · Banks - Regional

CEO Gunjan Kedia Employees 68,520 R&D / revenue 0.0%

Live stock page Read the factsheet

Last price

$58.73+2.33%last session

Market cap

$91.5B

P/E (TTM)

11.4x

From 52w high

−11.1%

From 52w low

+30.5%

1-year return

+28.6%

RSI 14 · vs SMA200

51.2 · +1.7%

IS score

58.7/ 100

Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.

Download full factsheet (PDF)

One year, rebased to 100

USB SPY XLF (sector ETF) · weekly closes

Score DNA

Each bar is a 0-100 score within the scored universe

Profitability

Growth

Value

Momentum

Risk (safety)

Quality

Balance sheet

Earnings quality

Flags

Strengths

✓ Piotroski 8+✓ Congress buying

Warnings

None of the computed warning flags fires for USB (Altman, Beneish, accruals, FCF, dilution).

Observations

Moat model: Weak, Efficient ScalePiotroski 8 / 9Beta 0.973 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.

INSForm 4 · 180 days

Insider open-market buys

5 open-market sales, $9.7M

No Form 144 notices in 12 months

CONGSTOCK Act · 180 days

Congressional purchases

Last disclosed purchase 2026-06-02

Members disclose in ranges, 30-45 days after the trade

13F13F · quarter to 2026-06-30

Net change in institutional holders

+91

204 new holders, 94 closed

2,075 filers hold 82.6% · 759 added, 771 trimmed

ETFETF holdings · 30 days

Net funds accumulating

+343

1,547 funds adding shares

1,204 funds trimming · counts of funds, not dollars

DARKFINRA · daily

Short-sale share of off-exchange volume

63.5%

20-day avg 47.7%, 50-day avg 49.3%

Latest 15.8 pp over its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.

Income statement

Revenue$42.9B

Revenue growth YoY+0.3%

Gross margin62.8%

Operating income$9.5B

Operating margin22.2%

Net income$7.6B

Net margin17.7%

EPS (diluted)$4.61

Cash flow

Operating cash flow$8.0B

Capital expenditure$0

Free cash flow$8.0B

FCF conversion (FCF / OCF)100.0%

Stock-based compensation$0

FCF less SBC$8.0B

Buybacks$489.0M

Dividends$3.5B

Balance sheet & returns

Cash & short-term investments$137.7B

Total debt$77.9B

Net cash$59.8B

Shareholders' equity$65.7B

Goodwill & intangibles$17.5B

Debt / equity1.10

ROE (TTM)12.6%

ROIC (TTM)5.0%

Operating margin by fiscal year

Revenue $23.7B (FY2021) to $42.9B (FY2025), a 15.9% CAGR.

Valuation

P/E (TTM)11.4x

EV / EBITDA8.0x

Price / sales2.08x

Price / FCF7.4x

FCF yield13.53%

Buyback yield0.53%

SBC / revenue0.0%

Price / book1.38x

Forward P/E FY202611.2x

Forward P/E FY202710.0x

Forward P/E FY20289.1x

Forward multiples divide today's price by Street EPS estimates. Street mean target $68.80 across 10 analysts last quarter is theirs, not ours.

USB vs industry median

909 companies in Banks - Regional

USB (TTM)Industry median Asset turnover 0.06 vs industry 0.05 · financial leverage 10.58

Earnings delivery

Next report 2027-01-19 · consensus EPS $1.43

92%

beat rate, 11 of 12 quarters

+3.9%

median EPS surprise

longest beat streak

EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2024-01-17 to 2026-10-15. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	12m return
USB U.S. Bancorp	$91.5B	11.4x	12.6%	19.0%	+0.3%	+28.6%
PNC The PNC Financial Services G	$86.7B	11.6x	12.5%	22.6%	+3.9%	+21.9%
NU Nu Holdings Ltd.	$70.3B	19.7x	31.6%	19.2%	+54.9%	−1.2%
TFC Truist Financial Corporation	$57.5B	12.0x	9.1%	20.4%	+0.3%	+16.0%
FITB Fifth Third Bancorp	$45.7B	17.0x	8.4%	18.1%	+15.9%	+29.0%
MTB M&T Bank Corporation	$31.1B	11.2x	10.7%	24.3%	−5.8%	—
HBAN Huntington Bancshares Incorp	$30.9B	11.2x	9.0%	17.4%	+18.5%	—
CFG Citizens Financial Group, In	$26.7B	12.7x	8.3%	18.4%	−4.5%	—

12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.

Recent 8-K filings

No 8-K filings on file.

Context

Shares outstanding1,558,050,000

Free float99.7%

Institutional ownership82.6%

Beta0.97

Dividend yield3.58%

Last dividend$0.54 on 2026-09-30

50 / 200-day average$60.93 / $57.78

Large-cap Financial Services median P/E14.0x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where USB sits among 257 scored companies in Banks - Regional (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.

Valuation Profitability (TTM)Returns on capital Growth Margin history & stability Liquidity (latest quarter)Leverage & solvency (latest quarter)Efficiency Cash flow & earnings quality Dividends & buybacks Scores & forensic checks Per share Size (TTM)

Valuation

Measure	USB	Industry median	Industry percentile	Sector median
P/E (TTM)	11.2x	11.7x	40th	11.9x
PEG (P/E ÷ 3-yr EPS CAGR)	0.96	1.75	27th	1.04
Price / sales	2.1x	2.5x	21st	2.5x
Price / book	1.4x	1.2x	71st	1.3x
Price / tangible book	1.9x	1.5x	81st	1.6x
Price / free cash flow	n/a
Price / operating cash flow	n/a
Enterprise value	n/a
EV / sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / free cash flow	n/a
Earnings yield	8.9%	8.5%	61st	7.9%
FCF yield	n/a
Operating cash flow yield	n/a
Graham number (per share)	$71.62	$50.13	72nd	$50.71

Profitability (TTM)

Measure	USB	Industry median	Industry percentile	Sector median
Gross margin	n/a
EBITDA margin	n/a
Operating margin	23.9%	24.7%	45th	23.3%
EBIT margin	23.3%	25.3%	39th	23.3%
Net margin	18.7%	21.8%	25th	18.7%
NOPAT margin	19.2%	19.7%	47th	18.7%
FCF margin	n/a
Operating cash flow margin	n/a
R&D / revenue	0.0%	0.0%	0th	0.0%
SG&A / revenue	32.0%	27.4%	71st	20.1%
Stock comp / revenue	0.0%	0.8%	0th	0.7%
Effective tax rate	19.7%	21.1%	31st	21.0%

Returns on capital

Measure	USB	Industry median	Industry percentile	Sector median
ROE (on average equity)	12.7%	11.0%	71st	11.9%
ROA	1.2%	1.2%	41st	1.4%
ROIC	n/a
ROCE	n/a
Return on tangible assets	1.4%	1.5%	49th	2.0%
Cash ROIC (OCF / invested capital)	n/a
Gross profitability (GP / assets)	n/a
ROIC, 3-yr average	n/a
ROIC, 5-yr average	n/a
ROE, 5-yr average	11.5%	10.4%	64th	10.7%
Incremental ROIC	n/a

Growth

Measure	USB	Industry median	Industry percentile	Sector median
Revenue growth (TTM YoY)	3.3%	3.8%	47th	7.1%
Revenue growth (QoQ)	0.8%	2.0%	42nd	2.8%
Revenue CAGR, 3 yr	7.8%	10.9%	33rd	10.8%
Revenue CAGR, 5 yr	12.7%	14.1%	44th	11.3%
Gross profit CAGR, 3 yr	n/a
Operating income CAGR, 3 yr	12.8%	4.2%	78th	8.8%
Net income growth (TTM YoY)	18.4%	22.8%	40th	24.7%
Net income CAGR, 3 yr	12.1%	6.9%	70th	9.4%
EPS growth (TTM YoY)	18.8%	22.0%	46th	25.1%
EPS CAGR, 3 yr	11.6%	4.2%	82nd	7.3%
EPS CAGR, 5 yr	1.2%	4.3%	24th	4.2%
FCF growth (TTM YoY)	n/a
FCF CAGR, 3 yr	n/a
Operating cash flow CAGR, 3 yr	n/a
Book value CAGR, 3 yr	7.8%	8.9%	38th	8.9%
Dividend CAGR, 3 yr	0.3%	1.1%	42nd	1.9%
Sustainable growth rate	7.2%	7.8%	41st	8.3%

Margin history & stability

Measure	USB	Industry median	Industry percentile	Sector median
Gross margin, 3-yr average	n/a
Operating margin, 3-yr average	20.1%	22.5%	34th	21.4%
Net margin, 3-yr average	15.8%	18.0%	23rd	16.5%
FCF margin, 3-yr average	n/a
Revenue stability (0-1)	0.90	0.90	50th	0.86
Earnings stability (0-1)	0.04	0.35	19th	0.37
Margin stability (0-1)	0.79	0.82	34th	0.81

Liquidity (latest quarter)

Measure	USB	Industry median	Industry percentile	Sector median
Cash & short-term investments	n/a
Net cash (− = net debt)	n/a
Working capital	n/a
Current ratio	n/a
Quick ratio	n/a
Cash ratio (cash + ST investments / current liabilities)	n/a
Defensive interval (days)	n/a

Leverage & solvency (latest quarter)

Measure	USB	Industry median	Industry percentile	Sector median
Total debt	n/a
Debt / equity	n/a
Net debt / equity	n/a
Debt / assets	n/a
Debt / capital	n/a
Debt / EBITDA	n/a
Net debt / EBITDA	n/a
Interest coverage (EBIT / interest)	n/a
Cash interest coverage	n/a
Debt payback (years of OCF)	n/a
Liabilities / assets	90.6%	88.6%	85th	86.2%
IS credit model rating	A	—		—
Implied credit spread (bps)	150	150	42nd	175

Efficiency

Measure	USB	Industry median	Industry percentile	Sector median
Asset turnover	n/a
Fixed asset turnover	n/a
Inventory turnover	n/a
Receivables turnover	n/a
Days sales outstanding	n/a
Days inventory outstanding	n/a
Days payables outstanding	n/a
Cash conversion cycle (days)	n/a
Capex / revenue	n/a
Capex / depreciation	n/a
Operating expense ratio	n/a

Cash flow & earnings quality

Measure	USB	Industry median	Industry percentile	Sector median
Operating cash flow / net income	n/a
FCF / net income	n/a
FCF / operating cash flow	n/a
Capex / operating cash flow	n/a
Accruals ratio	n/a
Sloan accruals ratio	n/a
Earnings quality score (0-1)	n/a

Dividends & buybacks

Measure	USB	Industry median	Industry percentile	Sector median
Dividend yield	3.6%	2.6%	79th	2.3%
Dividend per share (TTM)	$2.10	$0.97	88th	$1.03
Payout ratio (dividends / net income)	43.4%	29.2%	77th	30.0%
Dividends / FCF	n/a
Dividend growth (YoY)	2.6%	5.5%	32nd	6.4%
Buyback yield	0.8%	1.1%	45th	1.7%
Shareholder yield (dividends + buybacks)	4.6%	4.1%	55th	5.2%
Share count change (YoY)	-0.3%	0.2%	42nd	-0.3%
Buybacks, last 5 years	$2.7B	$48.0M	96th	$85.3M

Scores & forensic checks

Measure	USB	Industry median	Industry percentile	Sector median
IS score	59	54	70th	53
IS profitability	62	62	51st	59
IS growth	55	56	48th	57
IS value	83	82	61st	77
IS momentum	83	78	66th	76
IS risk (safety)	65	65	37th	65
IS quality	76	75	52nd	71
IS balance sheet	39	49	24th	51
IS earnings quality	99	90	91st	74
IS cash flow	83	73	77th	71
Piotroski F-score (0-9)	8	6	82nd	6
Altman Z-score	—
Beneish M-score	—
Ohlson O-score	−7.09	−5.12	0th	−6.00
IS credit score	70	71	50th	68

Per share

Measure	USB	Industry median	Industry percentile	Sector median
EPS, diluted (TTM)	$5.26	$3.36	73rd	$3.36
Book value per share	$43.36	$32.34	72nd	$28.13
Tangible book per share	$31.03	$27.09	62nd	$21.49
Revenue per share	$28.13	$15.66	84th	$17.62
FCF per share	n/a
Operating cash flow per share	n/a
Cash per share	n/a

Size (TTM)

Measure	USB	Industry median	Industry percentile	Sector median
Market cap	$91.5B	$1.5B	100th	$2.5B
Revenue	$43.7B	$558.9M	100th	$1.0B
EBITDA	$11.0B	$153.7M	100th	$269.3M
Net income	$8.2B	$113.4M	100th	$168.0M
Free cash flow	n/a
Total assets	$725.9B	$9.5B	100th	$8.5B
Shareholders' equity	$67.4B	$1.2B	100th	$1.5B
Employees	68,520	930	100th	1,392

Insider transactions, last 6 months

Form 4 · most recent 12

Date	Insider	Type	Shares	Price	Value	Owned after
2026-08-28	Kedia Gunjan Director, President & CEO	Option exercise	27,267	$55.01	$1.5M	453,529
2026-08-28	Kedia Gunjan Director, President & CEO	Open-market sale	27,267	$62.37	$1.7M	426,262
2026-08-28	Kedia Gunjan Director, President & CEO	Option exercise	27,267	$55.01	$1.5M	0
2026-07-23	Chosy James L Senior EVP and General Counsel	Option exercise	24,711	$55.01	$1.4M	275,652
2026-07-23	Chosy James L Senior EVP and General Counsel	Open-market sale	22,968	$63.28	$1.5M	252,684
2026-07-23	Chosy James L Senior EVP and General Counsel	Option exercise	24,711	$55.01	$1.4M	0
2026-07-21	Chosy James L Senior EVP and General Counsel	Gift	3,969	—	—	250,941
2026-07-20	Philipson Stephen L Vice Chair	Open-market sale	36,906	$63.08	$2.3M	74,969
2026-05-05	Dilip Venkatachari SEVP & Chief Info & Tech Off	Open-market sale	34,522	$55.52	$1.9M	51,292
2026-04-23	Mckenney Richard P Director	Award / grant	2,560	—	—	34,342
2026-04-23	Mckenney Richard P Director	Award / grant	3,355	—	—	3,355
2026-04-23	Hernandez Roland A Director	Award / grant	3,885	—	—	31,629

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types

By transaction type, 6 months

Type	Direction	Filings	Shares	Value
Award / grant	Acquired	13	43,350	—
Gift	Disposed	1	3,969	—
Open-market sale	Disposed	5	161,663	$9.7M
Option exercise	Disposed	2	51,978	$2.9M
Option exercise	Acquired	2	51,978	$2.9M

Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

Filed	Filer	Shares proposed	Est. proceeds
None on file.

A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 2 trades (2 purchases) · Senate 0 (0 purchases)

Traded	Member	Chamber	Type	Amount	Disclosed
2026-06-02	Ro Khanna	House	Purchase	$1,001 - $15,000	2026-07-08
2026-04-13	Ro Khanna	House	Purchase	$1,001 - $15,000	2026-05-13
2025-09-26	Gilbert Cisneros	House	Sale	$1,001 - $15,000	2025-10-13
2025-09-25	Gilbert Ray Cisneros	House	Sale (Full)	$1,001 - $15,000	2025-10-10
2023-12-14	Jerry Moran	Senate	Sale (Full)	$1,001 - $15,000	2024-01-17
2023-12-14	Jerry Moran	Senate	Sale (Full)	$1,001 - $15,000	2024-01-17
2023-12-14	Jerry Moran	Senate	Sale (Full)	$1,001 - $15,000	2024-01-16
2023-12-14	Jerry Moran	Senate	Sale (Full)	$1,001 - $15,000	2024-01-16

STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed

Manager	Shares	Value	% of shares out
BlackRock, Inc.	127,137,222	$7.7B	8.16%
VANGUARD CAPITAL MANAGEMENT LLC	101,302,511	$6.1B	6.50%
STATE STREET CORP	73,137,322	$4.5B	4.69%
JPMORGAN CHASE & CO	58,157,578	$3.6B	3.73%
FMR LLC	51,284,661	$3.1B	3.29%
MUFG Bank, Ltd.	44,374,155	$2.7B	2.85%
GEODE CAPITAL MANAGEMENT, LLC	39,253,077	$2.4B	2.52%
VANGUARD PORTFOLIO MANAGEMENT LLC	30,004,454	$1.8B	1.93%
PRICE T ROWE ASSOCIATES INC /MD/	25,023,715	$1.5B	1.61%
DAVIS SELECTED ADVISERS	21,453,510	$1.3B	1.38%
NORGES BANK	19,940,331	$1.2B	1.28%
Invesco Ltd.	19,796,411	$1.2B	1.27%
Aristotle Capital Management, LLC	17,593,197	$1.1B	1.13%
ROYAL BANK OF CANADA	15,671,549	$946.6M	1.01%
BANK OF AMERICA CORP /DE/	15,224,940	$919.6M	0.98%

Institutional ownership by quarter

% of shares held by 13F filers

Number of 13F filers holding

Holder changes by quarter

Quarter	Holders	Ownership	New	Increased	Reduced	Closed
2026-06-30	2,075	82.6%	204	759	771	94
2026-03-31	1,984	80.2%	143	782	730	136
2025-12-31	2,014	81.2%	284	714	726	99
2025-09-30	1,874	78.0%	160	697	700	99
2025-06-30	1,844	80.5%	162	709	713	114
2025-03-31	1,826	79.8%	163	680	713	167
2024-12-31	1,859	81.1%	266	629	696	91
2024-09-30	1,723	78.5%	153	629	687	90
2024-06-30	1,681	78.4%	138	601	673	143
2024-03-31	1,711	78.8%	133	654	688	112
2023-12-31	1,716	78.2%	248	510	763	84
2023-09-30	1,577	78.5%	111	634	611	108

Schedule 13D / 13G filers

Filed	Form	Filer	% of class	Shares
None on file.

Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETF	Weight in fund	Holding value
VITSX	0.12%	$2.9B
VSMPX	0.12%	$2.9B
VTSAX	0.12%	$2.9B
VTI	0.12%	$2.9B
VFINX	0.14%	$2.4B
VOO	0.14%	$2.4B

Share structure

Shares outstanding1,558,050,000

Float1,553,279,260

Free float99.7%

Income statement

Fiscal years, USD

	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$23.7B	$27.4B	$40.6B	$42.7B	$42.9B
Cost of revenue	−$180.0M	$5.2B	$14.9B	$17.6B	$15.9B
Gross profit	$23.9B	$22.2B	$25.7B	$25.1B	$26.9B
R&D	$0	$0	$0	$0	$0
SG&A	$9.1B	$9.6B	$11.1B	$11.2B	$12.5B
Operating income	$10.2B	$7.3B	$6.9B	$7.9B	$9.5B
EBITDA	$10.7B	$7.9B	$7.9B	$8.8B	$10.3B
Pretax income	$10.2B	$7.3B	$6.9B	$7.9B	$9.5B
Income tax	$2.2B	$1.5B	$1.4B	$1.6B	$1.9B
Net income	$8.0B	$5.8B	$5.4B	$6.3B	$7.6B
EPS, diluted	$5.10	$3.69	$3.27	$3.79	$4.61
Diluted shares	1.5B	1.5B	1.5B	1.6B	1.6B

Balance sheet

	FY2021	FY2022	FY2023	FY2024	FY2025
Cash & short-term investments	$161.3B	$125.6B	$130.6B	$142.9B	$137.7B
Receivables	$12.4B	$10.1B	$8.3B	$8.3B	$0
Inventory	$0	$0	$0	$0	$0
Total current assets	$173.7B	$135.7B	$138.9B	$151.1B	$137.7B
PP&E, net	$3.3B	$3.9B	$3.6B	$3.6B	$3.8B
Goodwill & intangibles	$14.0B	$19.5B	$18.6B	$18.1B	$17.5B
Total assets	$573.3B	$674.8B	$663.5B	$678.3B	$692.3B
Accounts payable	$0	$0	$0	$0	$0
Total current liabilities	$467.9B	$556.2B	$527.6B	$533.8B	$539.4B
Long-term debt	$32.1B	$39.8B	$51.5B	$58.0B	$60.8B
Total liabilities	$517.9B	$623.6B	$607.7B	$619.3B	$626.7B
Shareholders' equity	$55.4B	$51.2B	$55.8B	$59.0B	$65.7B

Cash flow statement

Outflows are negative

	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	$8.0B	$5.8B	$5.4B	$6.3B	$7.6B
Depreciation & amortization	$497.0M	$560.0M	$1.0B	$939.0M	$875.0M
Stock-based compensation	$0	$0	$0	$0	$0
Change in working capital	$0	$0	$0	$2.1B	$0
Operating cash flow	$9.9B	$21.1B	$8.4B	$11.3B	$8.0B
Capital expenditure	$0	$0	$0	$0	$0
Free cash flow	$9.9B	$21.1B	$8.4B	$11.3B	$8.0B
Investing cash flow	−$57.5B	$7.5B	$18.9B	−$24.5B	−$20.5B
Net debt issued / repaid	−$8.8B	$17.0B	−$5.0B	$6.2B	$3.0B
Buybacks	−$2.8B	−$1.2B	−$62.0M	−$173.0M	−$489.0M
Dividends paid	−$2.9B	−$3.1B	−$3.3B	−$3.4B	−$3.5B

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end

	FY2021	FY2022	FY2023	FY2024	FY2025
Gross margin	100.8%	81.0%	63.4%	58.8%	62.8%
Operating margin	42.9%	26.6%	16.9%	18.5%	22.2%
Net margin	33.6%	21.3%	13.4%	14.7%	17.7%
FCF margin	41.6%	77.1%	20.8%	26.4%	18.6%
ROE	14.7%	11.0%	10.2%	11.1%	12.2%
ROIC	-12.8%	-154.3%	-64.2%	-58.8%	141.0%
ROA	1.4%	0.9%	0.8%	0.9%	1.1%
Debt / equity	0.80	1.40	1.21	1.26	1.20
Interest coverage	10.2x	2.3x	0.5x	0.5x	0.7x
Current ratio	0.37	0.24	0.26	0.28	0.26
Revenue growth	−6.0%	+15.5%	+48.3%	+5.1%	+0.3%
EPS growth	+63.2%	−27.7%	−10.2%	+15.9%	+20.6%
P/E at year end	8.8x	9.8x	11.5x	11.5x	11.0x
EV / EBITDA at year end	n/m	0.4x	n/m	0.3x	2.3x
FCF yield at year end	14.09%	36.85%	13.55%	15.62%	9.60%
Dividend payout	36.3%	52.8%	61.0%	54.7%	46.2%

Revenue by segment

	FY2021	FY2022	FY2023	FY2024	FY2025
Wealth Management And Investment Services	$3.2B	$4.2B	$10.3B	$12.2B	$12.1B
Consumer And Small Business Banking	$8.6B	$8.5B	$10.0B	$9.3B	$8.9B
Payment Services	$6.0B	$6.3B	$8.8B	$9.2B	$9.7B
Corporate and Other	$3.9B	$4.5B	—	—	—
Treasury and Corporate Support	$1.1B	$892.0M	$1.1B	−$1.0B	—

Street estimates by fiscal year

Next report 2027-01-19 · consensus EPS $1.43 · these are analysts' numbers, not ours

Fiscal year	Revenue (mean)	Revenue range	EPS (mean)	EPS range	Analysts	P/E on mean EPS
2026	$31.1B	$30.8B – $31.3B	$5.26	$5.15 – $5.32	16	11.2x
2027	$33.3B	$32.9B – $33.9B	$5.85	$5.76 – $5.94	19	10.0x
2028	$35.0B	$34.3B – $35.6B	$6.42	$5.81 – $6.70	13	9.1x

Reported vs expected, every quarter on file

Reported	EPS expected	EPS actual	EPS surprise	Revenue expected	Revenue actual	Revenue surprise
2026-10-15	$1.32	$1.34	+1.5%	$8.0B	$8.0B	−0.3%
2026-07-16	$1.28	$1.35	+5.5%	$7.6B	$7.7B	+1.8%
2026-04-16	$1.14	$1.18	+3.5%	$7.3B	$7.3B	+0.1%
2026-01-20	$1.19	$1.26	+5.9%	$7.3B	$7.4B	+0.6%
2025-10-16	$1.13	$1.22	+8.0%	$7.2B	$7.3B	+1.9%
2025-07-17	$1.07	$1.11	+3.7%	$7.0B	$7.0B	−1.0%
2025-04-16	$0.98	$1.03	+5.2%	$6.9B	$6.9B	+0.3%
2025-01-16	$1.04	$1.07	+2.9%	$7.0B	$7.0B	−0.3%
2024-10-16	$0.99	$1.03	+4.0%	$6.9B	$6.8B	−1.0%
2024-07-17	$0.94	$0.98	+4.3%	$6.8B	$6.8B	+0.4%
2024-04-17	$0.88	$0.90	+2.3%	$6.7B	$6.7B	−0.4%
2024-01-17	$0.99	$0.99	0.0%	$6.9B	$6.7B	−1.7%
2023-10-18	$1.02	$1.05	+2.9%	$7.0B	$7.0B	−0.3%
2023-07-19	$1.13	$1.12	−0.9%	$7.2B	$7.1B	−0.1%
2023-04-19	$1.12	$1.16	+3.6%	$7.1B	$7.1B	+0.2%
2023-01-25	$1.11	$1.20	+8.1%	$6.6B	$6.3B	−4.3%
2022-10-14	$1.17	$1.18	+0.9%	$6.2B	$6.3B	+0.9%
2022-07-15	$1.07	$1.09	+1.9%	$5.9B	$6.0B	+1.2%
2022-04-14	$0.94	$0.99	+5.3%	$5.6B	$5.6B	+0.1%
2022-01-19	$1.10	$1.07	−2.7%	$5.6B	$5.7B	+0.7%
2021-10-14	$1.16	$1.30	+12.1%	$5.8B	$5.9B	+1.3%
2021-07-15	$1.14	$1.28	+12.3%	$5.6B	$5.8B	+2.4%
2021-04-15	$0.96	$1.45	+51.0%	$4.4B	$5.4B	+23.8%
2021-01-20	$0.95	$0.95	0.0%	$5.7B	$5.7B	+0.1%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)

Week of	Notional	Shares	Trades
2026-08-31	$334.2M	5,357,275	97,280
2026-08-24	$355.5M	5,689,629	93,384
2026-08-17	$330.5M	5,209,800	94,740
2026-08-10	$218.9M	3,381,596	78,839
2026-08-03	$506.1M	7,881,075	109,837
2026-07-27	$408.5M	6,445,374	110,562

Short-sale share of off-exchange volume

daily 20-day average

Date	Short share	Short volume	Total volume
2026-10-15	63.5%	3,060,146	4,816,110
2026-10-14	52.5%	1,953,845	3,725,111
2026-10-13	51.8%	1,389,274	2,684,362
2026-10-12	52.0%	845,327	1,627,020
2026-10-09	63.8%	1,065,102	1,668,810
2026-10-08	36.4%	964,755	2,649,684
2026-10-07	46.8%	1,468,335	3,140,381
2026-10-06	35.4%	635,019	1,795,464
2026-10-05	38.2%	760,672	1,989,190
2026-10-02	46.2%	881,824	1,907,728

A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month

Month	Avg return	Up years	Years
Jan	−0.9%	55%	20
Feb	−0.5%	55%	20
Mar	−1.7%	43%	21
Apr	+1.4%	45%	20
May	−0.0%	45%	20
Jun	−0.3%	55%	20
Jul	+3.9%	75%	20
Aug	−0.1%	55%	20
Sep	+1.4%	60%	20
Oct	+2.5%	65%	20
Nov	+3.5%	75%	20
Dec	+1.5%	60%	20

History, not a forecast.

Indicators

as of 2026-10-16

RSI 1451.2

MFI50.8

ADX36.8

Stochastic %K / %D54.1 / 42.8

Williams %R-12.7

CCI88

TSI / signal-23.9 / -29.1

Chaikin money flow0.06

ATR$1.18

Bollinger width6.1%

Volume vs 20-day avg1.39x

SupertrendDown

Moving averages and bands

level (price vs level)

SMA 20$57.67 (+1.8%)

SMA 50$60.72 (−3.3%)

SMA 200$57.73 (+1.7%)

EMA 21$58.12 (+1.0%)

EMA 50$59.51 (−1.3%)

EMA 200$57.34 (+2.4%)

Bollinger upper$59.42 (−1.2%)

Bollinger lower$55.92 (+5.0%)

Parabolic SAR$55.74 (+5.4%)

Open the live chart, 110+ indicators

About U.S. Bancorp

U.S. Bancorp (USB) functions as a broad-based financial services holding company, delivering a comprehensive spectrum of banking and financial solutions throughout the United States. Its diverse customer base includes individual consumers, various businesses, institutional organizations, governmental bodies, and other financial entities. The company organizes its operations across key segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. Its offerings encompass fundamental depository services such as checking accounts, savings accounts, and time certificates. U.S. Bancorp also extends a variety of credit facilities, including traditional lending products, credit card services, lease financing, support for import/export trade, asset-backed lending, and agricultural finance. Furthermore, it provides supplementary services like capital markets access, treasury management, and receivable lock-box collection for its corporate and governmental clients. The firm also offers a full suite of asset management and fiduciary services designed for individuals, estates, foundations, corporations, and charitable organizations. Beyond these, the company supplies investment and insurance products, predominantly to customers within its operating regions, and delivers fund administration services to a range of mutual and other investment funds. Its portfolio also includes corporate and purchasing card services, corporate trust management, and merchant processing. U.S. Bancorp's capabilities additionally span investment management, ATM network operation, mortgage banking, insurance provision, brokerage activities, and leasing services. As of December 31, 2021, the company distributed its products and services through a physical network of 2,230 banking branches, mainly concentrated in the Midwest and Western United States. Digital access was also extensively provided via online platforms, mobile devices, and other electronic channels. Additionally, it managed a network of 4,059 ATMs. Founded in 1863, U.S. Bancorp is headquartered in Minneapolis, Minnesota.

https://www.usbank.com

Key executives

Name	Title	Pay	Born
Gunjan Kedia	President, CEO & Chairman	$4.7M	1971
Jodi L. Richard	Vice Chair & Chief Risk Officer	$2.7M	1969
John C. Stern	Vice Chair & Chief Financial Officer	$2.6M	1979
Stephen L. Philipson	Vice Chair & Head of Wealth, Corporate, Commercial and Institutional Banking	$2.5M	1980
Elcio R. T. Barcelos	Senior EVP & Chief Human Resources Officer	$2.0M	1971
Alan Flanagan	Head of Global Investment Services	—	—
Dilip Venkatachari	Senior EVP and Chief Information & Technology Officer	—	1960
Jennifer Ann Thompson	EVP & Head of Corporate Finance	—	—

Executive pay, latest proxy

Executive	Year	Salary	Stock awards	Incentive	Total
Andrew Cecere Executive Chairman and former Chief Executive Officer	2025	$1.4M	$11.0M	$1.5M	$19.1M
Gunjan Kedia Chief Executive Officer and President	2025	$1.1M	$11.5M	$3.2M	$16.7M
Jodi L. Richard Vice Chair and Chief Risk Officer	2025	$800,000	$7.0M	$1.9M	$10.0M
Stephen L. Philipson Vice Chair, Head of Wealth, Corporate, Commercial and Institutional Banking	2025	$725,000	$3.3M	$1.7M	$6.1M
Terrance R. Dolan Former Vice Chair and Chief Administration Officer (through March 29, 2025)	2025	$196,724	$5.2M	$0	$6.0M
John C. Stern Vice Chair and Chief Financial Officer	2025	$750,000	$3.0M	$1.8M	$5.8M

Employees

Dividends

Ex-date	Amount	Paid
2026-09-30	$0.54	2026-10-15
2026-06-30	$0.52	2026-07-15
2026-03-31	$0.52	2026-04-15
2025-12-31	$0.52	2026-01-15
2025-09-30	$0.52	2025-10-15
2025-06-30	$0.5	2025-07-15
2025-03-31	$0.5	2025-04-15
2024-12-31	$0.5	2025-01-15

Moat model

Weak · Efficient Scale · 2026-06-30

Cost advantage52

Intangibles47

Switching costs33

Network effect60

Efficient scale65

Our component scores (0-100) and overall 49.2; a model of the business, not a call on the stock.

InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

USB

One year, rebased to 100

Score DNA

Flags

Smart-money strip

Key financials · FY2025

Valuation

USB vs industry median

Earnings delivery

Peers

Recent 8-K filings

Context

Full factsheet

All fundamentals · 140 measures in 13 categories

Valuation

Profitability (TTM)

Returns on capital

Growth

Margin history & stability

Liquidity (latest quarter)

Leverage & solvency (latest quarter)

Efficiency

Cash flow & earnings quality

Dividends & buybacks

Scores & forensic checks

Per share

Size (TTM)

Insider transactions, last 6 months

Shares acquired vs disposed, by month

By transaction type, 6 months

Form 144 notices

Congress trades

Largest 13F holders

Institutional ownership by quarter

Holder changes by quarter

Schedule 13D / 13G filers

ETFs with the largest holding

Share structure

Income statement

Balance sheet

Cash flow statement

Ratio history

Revenue by segment

Street estimates by fiscal year

Reported vs expected, every quarter on file

Off-exchange (dark pool) volume, weekly

Short-sale share of off-exchange volume

Seasonality

Indicators

Moving averages and bands

About U.S. Bancorp

Key executives

Executive pay, latest proxy

Employees

Dividends

Moat model

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