With assets of around $700 billion, U.S. Bancorp is one of the largest regional banks in the US with its footprint in 26 states.
It is a $89.0B financial services company. Revenue grew 2.3% over the last year, and it keeps 19¢ of every dollar of sales as profit. It trades at 10.9× earnings — around the middle of its own history.
- Website
- usbank.com
- Location
- Minneapolis, MN
- Employees
- 68 520
- Sector
- Financial Services
- Next earnings
- Oct 15, 2026 · in 3d
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Growth, Health and Moat lag behind.
Valuation67
- P/E vs own history53th pct · 12/25
- FCF yield13.9% · 25/25
- P/S2.1x · 20/25
- EV/EBITDAn/a · 10/25
Growth31
- Revenue CAGR15.9% · 20/25
- Net income CAGR-1.3% · 0/25
- EPS CAGR ~5Y2.2% · 6/25
- Fwd implied growth3.4% · 5/25
Profitability69
- ROIC9.2% · 12/25
- ROE12.5% · 12/25
- Net margin18.9% · 20/25
- Operating margin25.2% · 25/25
Health28
- Altman Z0.19 · 3/25
- Current ration/a · 0/25
- Interest coverageno interest expense · 25/25
- Net cash / debtn/a · 0/25
Quality52
- Piotroski F5/9 · 15/25
- Beneish M-2.54 · 25/25
- FCF conversionn/a · 0/25
- Margin stabilityσ 8.8% · 12/25
Moat25
- ROIC >12% years0/9 yrs · 0/25
- Median gross marginn/a · 0/25
- FCF-positive yearsn/a · 0/25
- Worst-year net marginworst 13.4% · 25/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2021FinancialBest year on record$7.96B net income
- FY2016FinancialProfitable every year on record9 consecutive profitable years in our data
- FY2016FinancialRevenue already above $10B$22.7B in first reported year
- FY2016FinancialPositive free cash flow every year since9-year streak
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Strong cash conversion — FCF is 28.6% of revenue
Watch-outs
- Altman Z-Score 0.19 — elevated financial-distress risk
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+2.3% YoY
- Profitable — makes more than it spends$8.17B TTM
- Profit growing — earnings are higher than last year+7.5% YoY
- Generates cash — cash left after running and investing$12.4B TTM
- Debt under control — could handle its obligationsno data
- Established company — not a micro-cap — lower blow-up risk$89.0B market cap
- Not printing shares — share count not ballooning — you keep your slice-1.6% shares over ~5y
- Proven track record — years of profitability behind it9/9 profitable years
- Financially stable — balance sheet not near distressAltman Z 0.2 — distress
- Pays a dividend — returns cash to shareholdersyield 3.99%
- Valuation not extreme — price not wildly above earningsP/E 10.9
Peer comparisonU.S. Bancorp vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| USB this company | $89.0B | 10.9 | +2.3% | 18.9% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: USB vs BRK.A · USB vs BRK.B · USB vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/USB
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of USB on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $57.13 · market cap $89.0B.