U.S. Bancorp USB
$59.45 −$0.30 (-0.50%)
Market closed · Nov 6, 9:50 pm ET · Last extended-hours $59.08 -0.61%
Open$59.05
Prev close$59.75
Day range$58.99 – $59.95
Volume10.67M
Market cap$92.64B
P/E (TTM)11.5
Dividend yield3.53%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$7.95B+8.9% YoY
Net profit$2.21B+10.0% YoY
Diluted EPS$1.34+9.8% YoY
Free cash flow$4.82B+152.0% YoY
Operating cash flow$4.82B
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin26.5%
Return on equity13.8%
Return on assets1.1%
Liabilities / assets90.5%
Cash & investments$49.52B
Total debt$73.04B
Net cash (debt)-$23.52B
Where the revenue comes from
Quarter 2026/Q2
By business line
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $7.95B | $7.69B | $7.26B | $28.54B | $7.34B |
| Net Interest Income | $4.47B | $4.36B | $4.26B | $16.65B | $4.28B |
| -Interest Income | $7.77B | $7.60B | $7.84B | $30.97B | $7.92B |
| -Interest Expense | $3.31B | $3.24B | $3.58B | $14.32B | $3.64B |
| Non-Interest Income | $3.48B | $3.33B | $3.00B | $11.89B | $3.05B |
| -Fees and Commissions | $3.38B | $3.24B | $2.91B | $11.12B | $2.82B |
| -Other Non-Interest Income | $166.00M | $138.00M | $123.00M | $836.00M | $234.00M |
| -Gain Loss on Sale of Assets | -$65.00M | -$49.00M | -$35.00M | -$61.00M | $3.00M |
| Credit Losses Provision | -$654.00M | -$538.00M | -$576.00M | -$2.19B | -$577.00M |
| Non-Interest Expense | $4.49B | $4.43B | $4.27B | $16.84B | $4.23B |
| Occupancy and Equipment | $309.00M | $303.00M | $304.00M | $1.23B | $320.00M |
| Professional Expense and Contract Services Expense | $115.00M | $112.00M | $92.00M | $468.00M | $144.00M |
| Selling and Admin Expenses | $2.95B | $2.90B | $2.85B | $11.03B | $2.72B |
| -Selling & Marketing Expense | $199.00M | $216.00M | $217.00M | $705.00M | $187.00M |
| -General & Admin Expense | $2.75B | $2.69B | $2.63B | $10.33B | $2.53B |
| Depreciation & Amortization & Depletion | $127.00M | $114.00M | $110.00M | $498.00M | $126.00M |
| -Depreciation & Amortization | $127.00M | $114.00M | $110.00M | $498.00M | $126.00M |
| Other Non-Interest Expenses | $990.00M | $998.00M | $914.00M | $3.61B | $921.00M |
| Pretax Profit | $2.80B | $2.72B | $2.42B | $9.52B | $2.53B |
| Tax | $593.00M | $537.00M | $469.00M | $1.92B | $482.00M |
| Net Profit | $2.21B | $2.18B | $1.95B | $7.60B | $2.05B |
| Profit from Continuing Operations | $2.21B | $2.18B | $1.95B | $7.60B | $2.05B |
| Minority Interests | $6.00M | $6.00M | $5.00M | $26.00M | $6.00M |
| Net Income to Parent Company | $2.20B | $2.18B | $1.95B | $7.57B | $2.05B |
| Other Preferred Stock Dividends | $107.00M | $13.00M | $11.00M | $47.00M | $13.00M |
| Net Income to Common Stockholders | $2.10B | $2.10B | $1.84B | $7.19B | $1.97B |
| Basic EPS | $1.34 | $1.35 | $1.18 | $4.62 | $1.26 |
| Diluted EPS | $1.34 | $1.35 | $1.18 | $4.62 | $1.26 |
| Dividend Per Share | $0.54 | $0.52 | $0.52 | $2.04 | $0.52 |
| Preferred Stock Dividends | – | $66.00M | $93.00M | $329.00M | $67.00M |
| Special Income (Charges) | – | – | – | $0.00 | $0.00 |
| -Less:Restructuring and Mergern & Acquisition | – | – | – | $0.00 | $0.00 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $702.97B | $725.92B | $701.00B | $692.35B | $692.35B |
| Cash, Cash Equivalents & Federal Funds Sold | $49.52B | $66.49B | $48.42B | $46.89B | $46.89B |
| -Cash and Cash Equivalents | $49.52B | $66.49B | $48.42B | $46.89B | $46.89B |
| Securities Investment | $153.15B | $162.91B | $168.59B | $166.71B | $166.71B |
| -Held to Maturity Securities | $72.92B | $73.15B | $75.13B | $75.87B | $75.87B |
| -Short Term Investments | $80.23B | $89.76B | $93.46B | $90.84B | $90.84B |
| Net Loan | $409.86B | $397.11B | $386.98B | $378.31B | $378.31B |
| -Gross Loan | $417.67B | $404.76B | $394.63B | $385.91B | $385.91B |
| -Allowance for Loans and Lease Losses | $7.82B | $7.65B | $7.65B | $7.61B | $7.61B |
| Net PPE | $3.89B | $3.85B | $3.82B | $3.77B | $3.77B |
| Goodwill and Other Intangible Assets | $18.54B | $18.23B | $17.42B | $17.54B | $17.54B |
| -Goodwill | $13.23B | $13.23B | $12.63B | $12.64B | $12.64B |
| -Other Intangible Assets | $5.31B | $5.00B | $4.80B | $4.90B | $4.90B |
| Other Assets | $68.00B | $68.75B | $67.67B | $71.17B | $71.17B |
| Total Liabilities | $636.08B | $658.02B | $634.75B | $626.69B | $626.69B |
| Total Deposits | $531.71B | $532.07B | $528.18B | $522.22B | $522.22B |
| Short-Term Debt and Capital Lease Obligation | $21.04B | $37.34B | $17.86B | $7.65B | $7.65B |
| -Current Debt | $21.04B | $37.34B | $17.86B | $7.65B | $7.65B |
| Long Term Debt and Capital Lease Obligation | $52.00B | $58.67B | $61.36B | $60.76B | $60.76B |
| -Long Term Debt | $52.00B | $58.67B | $61.36B | $60.76B | $60.76B |
| Other Liabilities | $31.33B | $29.95B | $27.35B | $26.55B | $26.55B |
| Total Equity | $66.89B | $67.90B | $66.25B | $65.65B | $65.65B |
| Stockholders' Equity | $66.43B | $67.43B | $65.79B | $65.19B | $65.19B |
| Capital Stock | $6.83B | $6.83B | $6.83B | $6.83B | $6.83B |
| -Common Stock | $21.00M | $21.00M | $21.00M | $21.00M | $21.00M |
| -Preferred Stock | $6.81B | $6.81B | $6.81B | $6.81B | $6.81B |
| Additional Paid-In Capital | $8.84B | $8.77B | $8.62B | $8.73B | $8.73B |
| Retained Earnings | $84.50B | $83.24B | $81.94B | $80.91B | $80.91B |
| Less: Treasury Stock | $24.28B | $24.30B | $24.39B | $24.28B | $24.28B |
| Gains/Losses Not Affecting Retained Earnings | -$9.46B | -$7.11B | -$7.22B | -$6.99B | -$6.99B |
| Minority Interests | $463.00M | $463.00M | $461.00M | $458.00M | $458.00M |
| Receivables | – | $8.58B | $8.09B | $7.96B | $7.96B |
| -Other Receivables | – | $8.58B | $8.09B | $7.96B | $7.96B |
| -Gross PPE | – | – | – | $8.47B | $8.47B |
| -Accumulated Depreciation | – | – | – | -$4.70B | -$4.70B |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | – | – | – | $9.51B | $9.51B |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $4.82B | $1.34B | $7.97B | $2.84B | $3.53B |
| Net cash flow from continuing operations | $4.82B | $1.34B | $7.97B | $2.84B | $3.53B |
| Net Income from Continuing Operations | $2.18B | $1.95B | $7.57B | $2.05B | $2.00B |
| Gain/Loss from Continuing Operations | $18.00M | -$22.00M | -$256.00M | -$84.00M | -$79.00M |
| Depreciation & Depletion & Amortization | $209.00M | $204.00M | $875.00M | $227.00M | $216.00M |
| Other Non-Cash Items | $1.88B | -$1.36B | -$2.41B | $71.00M | $820.00M |
| Net cash flow from investing | -$6.38B | -$5.35B | -$20.54B | -$16.85B | $230.00M |
| Net Cash Flow from Continuing Investing Activities | -$6.38B | -$5.35B | -$20.54B | -$16.85B | $230.00M |
| Net Investment Purchase and Sale | $5.08B | -$1.37B | $1.23B | -$245.00M | $3.53B |
| Net Income from Loans | -$11.31B | -$8.42B | -$12.78B | -$8.57B | -$2.86B |
| Net Other Investing Changes | -$1.17B | -$959.00M | -$2.96B | -$1.01B | -$556.00M |
| Financing Cash Flow | $19.70B | $5.67B | $2.25B | -$6.44B | $5.82B |
| Net Cash Flow from Continuing Financing Activities | $19.70B | $5.67B | $2.25B | -$6.44B | $5.82B |
| Increase/Decrease in Deposit | $3.94B | $6.07B | $3.33B | -$4.50B | $8.03B |
| Net Issuance Payments of Debt | $16.87B | $761.00M | $2.95B | -$898.00M | -$1.25B |
| Net Common Stock Issuance | -$198.00M | -$260.00M | -$444.00M | -$109.00M | -$91.00M |
| Cash Dividends Paid | -$904.00M | -$884.00M | -$3.50B | -$910.00M | -$853.00M |
| Net Other Financing Activities | -$11.00M | -$14.00M | -$86.00M | -$18.00M | -$21.00M |
| Ending Cash Balance | $66.49B | $48.42B | $46.89B | $46.89B | $66.64B |
| Net Change in Cash | $18.14B | $1.66B | -$10.32B | -$20.45B | $9.58B |
| Beginning Cash Balance | $48.42B | $46.89B | $56.50B | $66.64B | $57.81B |
| Effect of Exchange Rate Changes | -$67.00M | -$132.00M | $706.00M | – | – |
| Free Cash Flow | $4.82B | $1.34B | $7.97B | $2.84B | $3.53B |
| Net Business Purchase and Sale | – | – | -$36.00M | -$1.00M | $0.00 |
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