U.S. Bancorp (USB)
Overview
U.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.
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Key Information
Stock Snapshot (Updated: Nov 05 04:00 PM EST)
Capital Structure (Updated: Nov 05 04:00 PM EST)
Calendar Events (Upcoming Earnings & Revenue Forecasts)
| Earnings | |
| Earnings Date | 2026-01-20 |
| Earnings Call | 2026-01-20 |
| Avg EPS Estimate | 1.1714 |
| Low EPS Estimate | 1.13 |
| High EPS Estimate | 1.22 |
| Revenue | |
| Avg Revenue Forecast | 7,301,144,730 |
| Low Revenue Forecast | 7,252,000,000 |
| High Revenue Forecast | 7,363,000,000 |
USB Liquidity Indicators Shows key metrics that reflect cash availability and short-term payment ability
| Field | Value | Description |
|---|---|---|
| Cash Holdings | $66,637,000,704 | Cash on hand, which directly shows a company's ability to meet short-term obligations. |
| Quick Ratio | 0 | The quick ratio, which excludes inventory, measures short-term solvency; a value above 1 is considered relatively safe. |
| Current Ratio | 0 | The current ratio, calculated as current assets divided by current liabilities; the higher the value, the better the liquidity. |
| Total Debt | $77,983,997,952 | Total liabilities, used together with cash and liquidity ratios to assess debt burden. |
USB Profitability Indicators Shows key metrics that reflect overall earnings, margins, and core business profitability
| Field | Value | Description |
|---|---|---|
| EBITDA | $0 | EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization), which measures the profitability of core operations. |
| Operating Cash Flow | $0 | Operating cash flow, which reflects a company's cash-generating ability. |
| Free Cash Flow | $0 | Free cash flow, after deducting capital expenditures, which can be used for dividends or reinvestment. |
| Gross Margin | 0.00% | Gross margin; a higher value indicates stronger product profitability. |
| Operating Margin | 39.49% | Operating margin; slightly negative, indicating high operating costs. |
| Profit Margin | 27.63% | Net profit margin, which reflects overall profitability. |
USB Leverage & Financial Health Indicators Shows key metrics that reflect debt levels, liquidity, and overall financial stability
| Field | Value | Description |
|---|---|---|
| Debt/Equity Ratio | 0.00% | Low leverage level, indicating the company has low debt pressure. |
| Total Debt | $77,983,997,952 | Used together with cash and EBITDA to assess debt-paying ability. |
USB Growth Indicators Shows key financial metrics that reflect profitability, cash flow, and business expansion
| Field | Value | Description |
|---|---|---|
| Revenue Growth (YoY) | 7.20% | Rapid revenue growth, indicating fast business expansion. |
| Earnings Growth (YoY) | 18.50% | Significant EPS growth, indicating rapid improvement in profitability. |
Financial Data for USB (Key ratios, margins, and cash flow)
| Field | Value | Description |
|---|---|---|
| Current Price | $46.74 | Latest stock trading price |
| Price Target (High) | $70 | Analyst highest expected price |
| Price Target (Low) | $50 | Analyst lowest expected price |
| Price Target (Average) | $55.72 | Average target price across analysts |
| Price Target (Median) | $55 | Median of target prices |
| Average Rating Score | 1.96 | Average analyst rating (1=Strong Buy, 5=Sell) |
| Consensus Recommendation | buy | Consensus rating |
| Analyst Coverage Count | 23 | Number of analysts providing estimates |
| Cash Holdings | $66,637,000,704 | Total cash held by the company |
| Cash per Share | $42.83 | Cash value per outstanding share |
| Total Debt | $77,983,997,952 | Company's total debt |
| Quick Ratio | 0 | Ability to cover short-term liabilities (excludes inventory) |
| Current Ratio | 0 | Overall short-term liquidity |
| Debt/Equity Ratio | 0.00% | Leverage ratio: Debt / Equity |
| EBITDA | $0 | Earnings before interest, taxes, depreciation & amortization |
| Total Revenue | $26,012,999,680 | Total company revenue |
| Revenue per Share | $16.691 | Total revenue divided by shares outstanding |
| Gross Profit | 0.00% | Revenue minus cost of goods sold |
| Return on Assets | 1.04% | Net income / Total assets |
| Return on Equity | 11.72% | Net income / Shareholder equity |
| Earnings Growth (YoY) | 18.50% | Year-over-year EPS growth |
| Revenue Growth (YoY) | 7.20% | Year-over-year revenue growth |
| Gross Margin | 0.00% | Gross profit / Total revenue |
| EBITDA Margin | 0.00% | EBITDA / Revenue |
| Operating Margin | 39.49% | Operating income / Revenue |
| Profit Margin | 27.63% | Net income / Revenue |
| Free Cash Flow | $0 | Cash left after capital expenditures |
| Operating Cash Flow | $0 | Cash from core business operations |
| Currency | USD | Reported in US dollars |
| Last Updated | 2025-11-05 | Data source from Yahoo |