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Apr 16, 2026·SEC
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U.S. Bancorp(USB)Earnings, Financials & Key Ratios
USB•NYSE•Banking & Credit
$55.60
$86.46B mkt cap·12.1× P/E·Price updated May 6, 2026
AboutU.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities and other financial institutions in the United States. It operates in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; lending services, such as traditional credit products; and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. In addition, the company offers investment and insurance products to its customers principally within its markets, as well as fund administration services to a range of mutual and other funds. Further, it provides corporate and purchasing card, and corporate trust services; and merchant processing services, as well as investment management, ATM processing, mortgage banking, insurance, and brokerage and leasing services. As of December 31, 2021, the company provided its products and services through a network of 2,230 banking offices principally operating in the Midwest and West regions of the United States, as well as through on-line services, over mobile devices, and other distribution channels; and operated a network of 4,059 ATMs. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota.Show more
- Net Interest Income$16.65B+2.2%
- Total Revenue$42.86B+0.3%
- Net Income$7.58B+20.3%
- Return on Equity12.15%+10.7%
- Net Interest Margin2.4%+0.1%
- Efficiency Ratio40.63%+1.0%
- ROA1.11%+17.7%
- Equity / Assets9.48%+8.9%
- Book Value per Share42.19+11.6%
- Tangible BV/Share30.92+17.8%
- Debt/Equity1.19-4.7%
USB Key Insights
U.S. Bancorp (USB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 40.6% efficiency ratio
- ✓14 consecutive years of dividend growth
- ✓Trading at only 1.3x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
USB Price & Volume
U.S. Bancorp (USB) stock price & volume — 10-year historical chart
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USB Growth Metrics
U.S. Bancorp (USB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.3%
5 Years11.17%
3 Years16.08%
TTM-
Profit CAGR
10 Years2.57%
5 Years8.85%
3 Years9.16%
TTM20.27%
EPS CAGR
10 Years3.85%
5 Years8.54%
3 Years7.7%
TTM21.64%
Return on Capital
10 Years6.72%
5 Years5.84%
3 Years4.45%
Last Year2.32%
USB Recent Earnings
U.S. Bancorp (USB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 16, 2026EPS
$1.18
Est $1.14
+3.5%
Revenue
$7.3B
Est $7.3B
+0.1%
Q1 2026
Jan 20, 2026EPS
$1.26
Est $1.19
+5.9%
Revenue
$7.4B
Est $7.3B
+0.6%
Q4 2025
Oct 16, 2025EPS
$1.22
Est $1.13
+8.0%
Revenue
$7.3B
Est $7.2B
+1.9%
Q3 2025
Jul 17, 2025EPS
$1.11
Est $1.07
+3.7%
Revenue
$7.0B
Est $7.0B
-1.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 16, 2026 | $1.18vs $1.14+3.5% | $7.3Bvs $7.3B+0.1% |
| Q1 2026 | Jan 20, 2026 | $1.26vs $1.19+5.9% | $7.4Bvs $7.3B+0.6% |
| Q4 2025 | Oct 16, 2025 | $1.22vs $1.13+8.0% | $7.3Bvs $7.2B+1.9% |
| Q3 2025 | Jul 17, 2025 | $1.11vs $1.07+3.7% | $7.0Bvs $7.0B-1.0% |
Based on last 12 quarters of dataView full earnings history →
USB Peer Comparison
U.S. Bancorp (USB) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WFC | 247.08B | 79.90 | 14.88 | 8.72% | 15.73% | 11.51% | 1.23% | 1.56 |
 PNC | 89.61B | 221.63 | 16.13 | 5.62% | 17.48% | 11.05% | 8.79% | 1.13 |
 TFC | 65.73B | 49.95 | 14.87 | -19.02% | 19.87% | 7.97% | 3.29% | 0.98 |
 CFG | 27.77B | 64.36 | 21.24 | 1.31% | 12.22% | 6.6% | 6.77% | 0.51 |
 FITB | 33.69B | 50.30 | 16.02 | 5.62% | 17.73% | 11.43% | 7.15% | 0.97 |
 HBAN | 25.97B | 16.41 | 11.81 | 4.38% | 17.71% | 10.04% | 8.77% | 0.76 |
 RF | 24.34B | 28.04 | 12.24 | 2.51% | 22.44% | 11.29% | 8.96% | 0.26 |
 JPM | 834.2B | 309.40 | 15.67 | 14.61% | 21.59% | 16.11% | 2.18 |
Compare USB vs Peers
U.S. Bancorp (USB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
USB Income Statement
U.S. Bancorp (USB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 12.38B | 12.92B | 13.05B | 12.82B | 12.49B | 14.73B | 17.4B | 16.29B | 16.65B |
| NII Growth % | 6.12% | 4.35% | 1.03% | -1.74% | -2.58% | 17.88% | 18.12% | -6.36% | 2.21% |
| Net Interest Margin % | 2.68% | 2.76% | 2.63% | 2.32% | 2.18% | 2.18% | 2.62% | 2.4% | 2.4% |
| Interest Income | 14.35B | 16.17B | 17.49B | 14.84B | 13.49B | 17.95B | 30.01B | 31.67B | 30.97B |
| Interest Expense | 1.97B | 3.25B | 4.44B | 2.02B | 993M | 3.22B | 12.61B | 15.38B | 14.32B |
| Loan Loss Provision | 1.39B | 1.38B | 1.5B | 3.81B | -1.17B | 1.98B | 2.27B | 2.24B | 1.61B |
| Non-Interest Income | 9.32B | 9.6B | 9.83B | 10.4B | 10.23B | 9.46B | 10.62B | 11.05B | 11.89B |
| Non-Interest Income % | 39.37% | 37.25% | 35.98% | 41.21% | 43.13% | 34.51% | 26.13% | 25.86% | 27.74% |
| Total Revenue | 23.66B▲ 0% | 25.77B▲ 8.9% | 27.32B▲ 6.0% | 25.24B▼ 7.6% | 23.71B▼ 6.0% | 27.4B▲ 15.5% | 40.62B▲ 48.3% | 42.71B▲ 5.1% | 42.86B▲ 0.3% |
| Revenue Growth % | 5.53% | 8.93% | 6.01% | -7.63% | -6.05% | 15.55% | 48.26% | 5.14% | 0.35% |
| Non-Interest Expense | 12.79B | 12.46B | 12.79B | 13.37B | 13.73B | 14.91B | 18.87B | 17.19B | 17.41B |
| Efficiency Ratio | 54.05% | 48.36% | 46.79% | 52.97% | 57.89% | 54.4% | 46.46% | 40.24% | 40.63% |
| Operating Income | 7.52B▲ 0% | 8.68B▲ 15.4% | 8.59B▼ 1.0% | 6.05B▼ 29.6% | 10.17B▲ 68.0% | 7.3B▼ 28.2% | 6.87B▼ 6.0% | 7.91B▲ 15.2% | 9.52B▲ 20.3% |
| Operating Margin % | 31.77% | 33.67% | 31.45% | 23.97% | 42.87% | 26.65% | 16.9% | 18.52% | 22.2% |
| Operating Income Growth % | -7.25% | 15.45% | -0.97% | -29.59% | 68.01% | -28.18% | -5.97% | 15.21% | 20.33% |
| Pretax Income | 7.52B▲ 0% | 8.68B▲ 15.4% | 8.59B▼ 1.0% | 6.05B▼ 29.6% | 10.17B▲ 68.0% | 7.3B▼ 28.2% | 6.87B▼ 6.0% | 7.91B▲ 15.2% | 9.52B▲ 20.3% |
| Pretax Margin % | 31.77% | 33.67% | 31.45% | 23.97% | 42.87% | 26.65% | 16.9% | 18.52% | 22.2% |
| Income Tax | 1.26B | 1.55B | 1.65B | 1.07B | 2.18B | 1.46B | 1.41B | 1.58B | 1.92B |
| Effective Tax Rate % | 16.82% | 17.91% | 19.18% | 17.62% | 21.45% | 20.04% | 20.5% | 19.98% | 20.18% |
| Net Income | 6.22B▲ 0% | 7.1B▲ 14.1% | 6.91B▼ 2.6% | 4.96B▼ 28.3% | 7.96B▲ 60.6% | 5.83B▼ 26.8% | 5.43B▼ 6.8% | 6.3B▲ 16.0% | 7.58B▲ 20.3% |
| Net Margin % | 26.28% | 27.53% | 25.3% | 19.65% | 33.58% | 21.26% | 13.36% | 14.75% | 17.68% |
| Net Income Growth % | 5.6% | 14.12% | -2.56% | -28.28% | 60.58% | -26.85% | -6.8% | 16.03% | 20.27% |
| Net Income (Continuing) | 6.25B | 7.12B | 6.95B | 4.99B | 7.99B | 5.84B | 5.46B | 6.33B | 7.6B |
| EPS (Diluted) | 3.51▲ 0% | 4.14▲ 17.9% | 4.16▲ 0.5% | 3.06▼ 26.4% | 5.10▲ 66.7% | 3.69▼ 27.6% | 3.27▼ 11.4% | 3.79▲ 15.9% | 4.61▲ 21.6% |
| EPS Growth % | 8.33% | 17.95% | 0.48% | -26.44% | 66.67% | -27.65% | -11.38% | 15.9% | 21.64% |
| EPS (Basic) | 3.53 | 4.15 | 4.16 | 3.06 | 5.11 | 3.69 | 3.27 | 3.79 | 4.62 |
| Diluted Shares Outstanding | 1.68B | 1.64B | 1.58B | 1.51B | 1.49B | 1.49B | 1.54B | 1.56B | 1.56B |
USB Balance Sheet
U.S. Bancorp (USB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 86.95B | 85.51B | 144.75B | 199.02B | 161.31B | 125.59B | 130.56B | 142.87B | 46.89B |
| Cash & Due from Banks | 19.5B | 21.45B | 22.41B | 62.58B | 28.91B | 53.54B | 61.19B | 56.5B | 46.89B |
| Short Term Investments | 67.45B | 64.06B | 122.34B | 136.44B | 132.41B | 72.05B | 69.37B | 86.36B | 0 |
| Total Investments | 378.28B | 380.86B | 405.82B | 421.89B | 475.98B | 534.19B | 513.73B | 530.86B | 0 |
| Investments Growth % | 1.97% | 0.68% | 6.55% | 3.96% | 12.82% | 12.23% | -3.83% | 3.33% | -100% |
| Long-Term Investments | 310.83B | 316.8B | 283.48B | 285.45B | 343.57B | 462.14B | 444.36B | 444.49B | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 12.66B | 12.76B | 12.88B | 12.78B | 14B | 19.53B | 18.57B | 18.08B | 17.54B |
| Goodwill | 9.43B | 9.37B | 9.65B | 9.92B | 10.26B | 12.37B | 12.49B | 12.54B | 12.63B |
| Intangible Assets | 3.23B | 3.39B | 3.22B | 2.86B | 3.74B | 7.16B | 6.08B | 5.55B | 4.9B |
| PP&E (Net) | 2.43B | 2.46B | 3.7B | 3.47B | 3.31B | 3.86B | 3.62B | 3.56B | 3.77B |
| Other Assets | 35.57B | 35.7B | 36.44B | 39.48B | 38.73B | 53.61B | 58.03B | 61.04B | 0 |
| Total Current Assets | 100.54B | 99.65B | 158.93B | 212.72B | 173.68B | 135.68B | 138.9B | 151.14B | 46.89B |
| Total Non-Current Assets | 361.5B | 367.72B | 336.49B | 341.18B | 399.61B | 539.13B | 524.59B | 527.18B | 21.31B |
| Total Assets | 462.04B▲ 0% | 467.37B▲ 1.2% | 495.43B▲ 6.0% | 553.9B▲ 11.8% | 573.28B▲ 3.5% | 674.8B▲ 17.7% | 663.49B▼ 1.7% | 678.32B▲ 2.2% | 692.35B▲ 2.1% |
| Asset Growth % | 3.6% | 1.15% | 6% | 11.8% | 3.5% | 17.71% | -1.68% | 2.23% | 2.07% |
| Return on Assets (ROA) | 1.37% | 1.53% | 1.44% | 0.95% | 1.41% | 0.93% | 0.81% | 0.94% | 1.11% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 48.91B | 55.48B | 63.89B | 53.06B | 43.92B | 71.05B | 66.76B | 73.52B | 77.93B |
| Net Debt | 29.41B | 34.03B | 41.48B | -9.52B | 15.02B | 17.5B | 5.57B | 17.02B | 31.04B |
| Long-Term Debt | 32.26B | 41.34B | 40.17B | 41.3B | 32.13B | 39.83B | 51.48B | 58B | 60.76B |
| Short-Term Debt | 16.65B | 14.14B | 23.72B | 11.77B | 11.8B | 31.22B | 15.28B | 15.52B | 17.16B |
| Other Liabilities | 16.25B | 14.76B | 17.14B | 17.35B | 17.89B | 27.55B | 28.65B | 27.45B | 548.77B |
| Total Current Liabilities | 363.87B | 359.61B | 385.64B | 441.54B | 467.88B | 556.19B | 527.59B | 533.83B | 17.16B |
| Total Non-Current Liabilities | 48.51B | 56.1B | 57.3B | 58.64B | 50.02B | 67.38B | 80.13B | 85.45B | 609.53B |
| Total Liabilities | 412.37B | 415.72B | 442.94B | 500.18B | 517.9B | 623.57B | 607.72B | 619.28B | 626.69B |
| Total Equity | 49.67B▲ 0% | 51.66B▲ 4.0% | 52.48B▲ 1.6% | 53.73B▲ 2.4% | 55.39B▲ 3.1% | 51.23B▼ 7.5% | 55.77B▲ 8.9% | 59.04B▲ 5.9% | 65.65B▲ 11.2% |
| Equity Growth % | 3.62% | 4.01% | 1.6% | 2.37% | 3.09% | -7.5% | 8.86% | 5.86% | 11.2% |
| Equity / Assets (Capital Ratio) | 10.75% | 11.05% | 10.59% | 9.7% | 9.66% | 7.59% | 8.41% | 8.7% | 9.48% |
| Return on Equity (ROE) | 12.74% | 14.01% | 13.28% | 9.34% | 14.6% | 10.93% | 10.15% | 10.97% | 12.15% |
| Book Value per Share | 29.51 | 31.54 | 33.15 | 35.58 | 37.17 | 34.38 | 36.14 | 37.82 | 42.19 |
| Tangible BV per Share | 21.99 | 23.75 | 25.02 | 27.11 | 27.78 | 21.28 | 24.11 | 26.24 | 30.92 |
| Common Stock | 21M | 21M | 21M | 21M | 21M | 21M | 21M | 21M | 21M |
| Additional Paid-in Capital | 8.46B | 8.47B | 8.47B | 8.51B | 8.54B | 8.71B | 8.67B | 8.71B | 8.67B |
| Retained Earnings | 54.14B | 59.06B | 63.19B | 64.19B | 69.2B | 71.9B | 74.03B | 76.86B | 80.91B |
| Accumulated OCI | -1.4B | -2.32B | -1.37B | 322M | -1.94B | -11.41B | -10.1B | -9.76B | -6.99B |
| Treasury Stock | -17.6B | -20.19B | -24.44B | -25.93B | -27.27B | -25.27B | -24.13B | -24.07B | -24.23B |
| Preferred Stock | 5.42B | 5.98B | 5.98B | 5.98B | 6.37B | 6.81B | 6.81B | 6.81B | 6.81B |
USB Cash Flow Statement
U.S. Bancorp (USB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 6.47B | 10.56B | 4.89B | 3.72B | 9.87B | 21.12B | 8.45B | 11.27B | 0 |
| Operating CF Growth % | 21.29% | 63.23% | -53.72% | -23.99% | 165.61% | 113.97% | -60% | 33.46% | -100% |
| Net Income | 6.22B | 7.1B | 6.91B | 4.96B | 7.96B | 5.83B | 5.43B | 6.3B | 7.57B |
| Depreciation & Amortization | 468M | 467M | 502M | 527M | 497M | 560M | 1.02B | 939M | 0 |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -214M | 3B | -2.53B | -1.77B | 1.41B | 14.73B | 2B | 1.96B | -7.57B |
| Working Capital Changes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.08B | 0 |
| Cash from Investing | -12.13B | -8.98B | -21.56B | -15.44B | -57.49B | 7.5B | 18.93B | -24.53B | 0 |
| Purchase of Investments | -27.57B | -19.87B | -40.52B | -68.66B | -100.13B | -31.68B | -9.27B | -36.13B | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | -27.57B | -19.87B | -40.51B | -68.66B | -100.13B | -31.68B | -9.27B | -36.13B | 0 |
| Acquisitions | 0 | 0 | 0 | -556M | -661M | 12.26B | -330M | -103M | 0 |
| Other Investing | -8.99B | -8.54B | -12.89B | -2.46B | -15.06B | -30.15B | 4.84B | -13.59B | 0 |
| Cash from Financing | 9.45B | 361M | 17.62B | 51.9B | 13.94B | -3.98B | -19.72B | 8.57B | 0 |
| Dividends Paid | -2.21B | -2.37B | -2.75B | -2.85B | -2.89B | -3.08B | -3.31B | -3.45B | 0 |
| Share Repurchases | -3.72B | -2.82B | -4.53B | -1.67B | -2.81B | -1.17B | -62M | -173M | 0 |
| Stock Issued | 1.15B | 86M | 88M | 15M | 2.26B | 458M | 951M | 32M | 0 |
| Net Stock Activity | -2.56B | -2.74B | -4.44B | -1.66B | -541M | -711M | 889M | -141M | 0 |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K | 0 |
| Other Financing | 12.69B | -1.74B | 16.53B | 67.85B | 26.15B | -17.21B | -12.29B | 5.95B | 0 |
| Net Change in Cash | 3.8B▲ 0% | 1.95B▼ 48.7% | 952M▼ 51.1% | 40.17B▲ 4120.1% | -33.67B▼ 183.8% | 24.64B▲ 173.2% | 7.65B▼ 68.9% | -4.69B▼ 161.3% | -56.5B▼ 1104.7% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 15.71B | 19.5B | 21.45B | 22.41B | 62.58B | 28.91B | 53.54B | 61.19B | 56.5B |
| Cash at End | 19.5B | 21.45B | 22.41B | 62.58B | 28.91B | 53.54B | 61.19B | 56.5B | 0 |
| Interest Paid | 2.09B | 3.06B | 4.4B | 2.2B | 1.06B | 2.72B | 12.28B | 15.38B | 0 |
| Income Taxes Paid | 555M | 365M | 941M | 1.02B | 535M | 767M | 645M | 499M | 0 |
| Free Cash Flow | 6.47B▲ 0% | 10.56B▲ 63.2% | 4.89B▼ 53.7% | 3.72B▼ 24.0% | 9.87B▲ 165.6% | 21.12B▲ 114.0% | 8.45B▼ 60.0% | 11.27B▲ 33.5% | 0▼ 100.0% |
| FCF Growth % | 21.29% | 63.23% | -53.72% | -23.99% | 165.61% | 113.97% | -60% | 33.46% | -100% |
USB Banking Ratios
U.S. Bancorp (USB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 12.43% | 12.74% | 14.01% | 13.28% | 9.34% | 14.6% | 10.93% | 10.15% | 10.97% | 12.15% |
| Return on Assets (ROA) | 1.36% | 1.37% | 1.53% | 1.44% | 0.95% | 1.41% | 0.93% | 0.81% | 0.94% | 1.11% |
| Net Interest Margin | 2.62% | 2.68% | 2.76% | 2.63% | 2.32% | 2.18% | 2.18% | 2.62% | 2.4% | 2.4% |
| Efficiency Ratio | 51.4% | 54.05% | 48.36% | 46.79% | 52.97% | 57.89% | 54.4% | 46.46% | 40.24% | 40.63% |
| Equity / Assets | 10.75% | 10.75% | 11.05% | 10.59% | 9.7% | 9.66% | 7.59% | 8.41% | 8.7% | 9.48% |
| Book Value / Share | 27.8 | 29.51 | 31.54 | 33.15 | 35.58 | 37.17 | 34.38 | 36.14 | 37.82 | 42.19 |
| NII Growth | 4.62% | 6.12% | 4.35% | 1.03% | -1.74% | -2.58% | 17.88% | 18.12% | -6.36% | 2.21% |
| Dividend Payout | 30.74% | 31.01% | 29.48% | 35.33% | 51.46% | 32.39% | 47.66% | 54.71% | 49.09% | - |
USB SEC Filings & Documents
U.S. Bancorp (USB) SEC filings — annual & quarterly reports (10-K, 10-Q)
USB Frequently Asked Questions
U.S. Bancorp (USB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
U.S. Bancorp (USB) grew revenue by 0.3% over the past year. Growth has been modest.
Yes, U.S. Bancorp (USB) is profitable, generating $7.58B in net income for fiscal year 2025 (17.7% net margin).
Dividend & Returns
U.S. Bancorp (USB) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.
Industry Metrics
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.
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U.S. Bancorp (USB) financial analysis — history, returns, DCA and operating performance tools
Full USB Stock Analysis
Analyst verdict, bull/bear case, risk factors and peer comparison
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates