U.S. Bancorp is demonstrating a successful transition toward improved profitability, evidenced by a significant reduction in the efficiency ratio from 50.3% in 2023Q4 to 36.9% in 2026Q1. While the bank faces ongoing regulatory capital constraints and a cautiou...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue performance is recovering as net interest income reached $4.3 billion in 2026Q1, supported by a notable improvement in the efficiency ratio to 36.9%.
U.S. Bancorp’s fee income rose 5.3% quarter‑over‑quarter, while average deposits grew 1.8%. These gains signal expanding revenue streams and a strengthening customer base.
The bank recently posted earnings that surpassed analyst expectations, underscoring operational efficiency and solid financial health.
USB offers a steady income stream with a dividend yield of approximately 3.8%, appealing to income‑focused investors.
Trailing total returns as of 10/13/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 16, 2026 | $1.35+5.5% vs $1.28 | $7.7B+1.8% vs $7.6B |
Q2 2026 Apr 16, 2026 | $1.18+3.5% vs $1.14 | $7.3B+0.1% vs $7.3B |
Q1 2026 Jan 20, 2026 | $1.26+5.9% vs $1.19 | $7.4B+0.6% vs $7.3B |
Q4 2025 Oct 16, 2025 | $1.22+8.0% vs $1.13 | $7.3B+1.9% vs $7.2B |
Two major bank stocks both raised dividends this summer, but their income profiles for retirees tell very different stories about yield, safety, and what happens when interest rates fall.
MINNEAPOLIS--(BUSINESS WIRE)--U.S. Bancorp Announces Third Quarter Earnings Conference Call Details.
ATLANTA--(BUSINESS WIRE)--Elavon, a wholly owned subsidiary of U.S. Bank (NYSE: USB) and one of the world's largest payment processors, received the 2026 Best B2B API Award in TSG's API Best of Breed Awards. The independent recognition reflects Elavon's commitment to modern payment technology that helps businesses simplify complex business-to-business payments and accelerate implementation. This recognition is due to Elavon's payment gateway's ability to provide the features needed for B2B paym.
Fed considers higher bank asset thresholds that could ease regulatory burdens, and give banks more room to grow and pursue M&A.
Benchmark USB against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for U.S. Bancorp (USB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $57.42 | $89.44B | 12.46 | 4.41% | 17.68% | 12.15% | 3.55% | |
| $83.30 | $254.91B | 13.18 | 1.7% | 17.29% | 11.92% | — | |
| $221.26 | $88.28B | 13.34 | -1.75% | 22.51% | 11.97% | — | |
| $46.64 | $58.11B | 12.21 | 53.03% | 18.14% | 8.51% | — | |
| $63.90 | $27.02B | 16.55 | -5.85% | 17.51% | 7.63% | — | |
| $50.82 | $46.06B | 14.36 | 8.37% | 15.91% | 8.86% | — |
U.S. Bancorp (USB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
U.S. Bancorp (USB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 16, 2026·SEC
Jun 24, 2026·SEC
Apr 23, 2026·SEC
Feb 23, 2026·SEC
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U.S. Bancorp (USB) stock FAQ — growth, dividends, profitability & financials explained
U.S. Bancorp (USB) grew revenue by 4.4% over the past year. Growth has been modest.
Yes, U.S. Bancorp (USB) is profitable, generating $7.81B in net income for fiscal year 2025 (17.7% net margin).
Yes, U.S. Bancorp (USB) pays a dividend with a yield of 3.55%. This makes it attractive for income-focused investors.
U.S. Bancorp (USB) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.
U.S. Bancorp (USB) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.
U.S. Bancorp (USB) has an efficiency ratio of 40.6%. This is excellent, indicating strong cost control.
