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CoverageForm 410-K10-Q8-K13D13G13F

USB · US Bancorp \de\ - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · USB

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AnnualQuarterly

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue$28.66B$27.45B$24.30B---
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A------
Operating Income$9.52B$7.91B$6.87B$7.30B$10.17B$6.05B
Interest Expense--$12.61B$3.22B$993.00M$2.02B
Income Tax$1.92B$1.58B$1.41B$1.46B$2.18B$1.07B
Net Income$7.57B$6.30B$5.43B$5.83B$7.96B$4.96B
EPS - Basic$4.62$3.79$3.27$3.69$5.11$3.06
EPS - Diluted$4.62$3.79$3.27$3.69$5.10$3.06

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$46.89B$56.50B$61.19B$22.41B--
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$692.35B$678.32B$663.49B$674.80B$573.28B$553.90B
Current Liabilities------
Long-term Debt---$39.83B$32.13B$41.30B
Total Liabilities$626.69B$619.28B$607.72B$623.57B$517.90B$500.18B
Stockholders' Equity$65.19B$58.58B$55.31B$50.77B$54.92B$53.09B
Retained Earnings$80.91B$76.86B$74.03B$71.90B$69.20B$64.19B

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$7.97B$11.27B$8.45B$21.12B$9.87B$3.72B
Investing Cash Flow($20.54B)($24.53B)$18.93B$7.50B($57.49B)($15.44B)
Financing Cash Flow$2.25B$8.57B($19.72B)($3.98B)$13.94B$51.90B
CapEx------
Free Cash Flow------

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin33.2%28.8%28.2%---
EBITDA margin------
Net margin26.4%22.9%22.3%---
Free cash flow margin------
FCF / Net income------
R&D / Revenue------
SG&A / Revenue------
Effective tax rate20.2%20.1%20.6%20.1%21.5%17.7%
Return on assets1.1%0.9%0.8%0.9%1.4%0.9%
Return on equity11.6%10.8%9.8%11.5%14.5%9.3%
Return on invested capital---6.4%9.2%5.3%
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity---0.780.580.78
Debt / Assets---0.060.060.07
Debt / EBITDA------
Interest coverage--0.5x2.3x10.2x3.0x
Equity multiplier10.6211.5812.0013.2910.4410.43
Liabilities / Assets0.910.910.920.920.900.90
Efficiency
Asset turnover0.040.040.04---
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E11.5x12.6x13.2x11.8x11.0x15.2x
P / B1.3x1.3x1.2x1.3x1.5x1.3x
P / S2.9x2.7x2.7x---
EV / EBITDA------
Growth
Revenue growth (YoY)4.4%13.0%----
Revenue CAGR (3y)------
Revenue CAGR (5y)--1.4%---
Gross profit growth (YoY)------
Operating income growth (YoY)20.3%15.2%-6.0%-28.2%68.0%-29.6%
Net income growth (YoY)20.2%16.0%-6.8%-26.8%60.6%-28.3%
EPS growth (YoY)21.9%15.9%-11.4%-27.6%66.7%-26.4%
EPS CAGR (3y)7.8%-9.4%2.2%-3.9%7.2%-4.5%
EPS CAGR (5y)8.6%-1.8%-4.6%1.0%9.5%-0.6%
FCF growth (YoY)------
FCF CAGR (5y)------
Book value growth (YoY)11.3%5.9%8.9%-7.6%3.4%2.4%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$28.36B total
Wealth Corporate Commercial And Institutional Banking$12.08B · 42.6%
Consumer And Business Banking$8.87B · 31.3%
Payment Services$7.41B · 26.1%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9
Neutral
  • ✓Net income positive
  • ✓Operating cash flow positive
  • ✓ROA improved YoY
  • ✓Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • ✓No share dilution
  • -Gross margin improved
  • ✓Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

CompanyRevenue (last FY)Net marginROE
HBAN---
UMBF--9.1%
ZION$662.00M135.8%12.5%
JPM$182.45B31.3%15.7%
SFNC$5.63M-7060.1%-11.6%

Comparing US BANCORP \DE\ against the 5 most active filers in the same SIC group.

Dividends

$2.06/share trailing 12 months · +3.5% YoY

Ex-datePer share
Mar 31, 2026$0.5200
Dec 31, 2025$0.5200
Sep 30, 2025$0.5200
Jun 30, 2025$0.5000
Mar 31, 2025$0.5000
Dec 31, 2024$0.5000
Sep 30, 2024$0.5000
Jun 28, 2024$0.4900
Mar 27, 2024$0.4900
Dec 28, 2023$0.4900
Sep 28, 2023$0.4800
Jun 29, 2023$0.4800
Mar 30, 2023$0.4800
Dec 29, 2022$0.4800
Sep 29, 2022$0.4800
Jun 29, 2022$0.4600
Mar 30, 2022$0.4600
Dec 30, 2021$0.4600
Sep 29, 2021$0.4600
Jun 29, 2021$0.4200
Mar 30, 2021$0.4200
Dec 30, 2020$0.4200
Sep 29, 2020$0.4200
Jun 29, 2020$0.4200