67/100B60.690
USD
-0.07
(-0.11%)
Pre Open
Fair value58.76Plus+3%39Price 60.6984
Q4 FY2026 · Earnings report
EPS estimate 1.43Revenue estimate 8.08B
Q4 FY2026 · Earnings report
EPS estimate 1.43Revenue estimate 8.08B
US Bancorp financials
Yes. US Bancorp earned 8.38B USD of net income over the last twelve months, 27.7% of its revenue. It made a profit in 41 of its 41 fiscal years since 1985.
- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 30.23B USD
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 8.38B USD
- Free cash flow (TTM)What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.
- 12.80B USD
- Cash and short-term investments
- 202.67B USD
- Total debt
- 73.04B USD
- Shareholders' equityWhat is a balance sheet? The balance sheet lists what a company owns (assets), what it owes (liabilities) and what is left for its shareholders (equity) on one date.
- 66.43B USD
Cash, debt and equity as of 30 Sept 2026.
US Bancorp earnings
Next earnings · Q4 FY2026
EPS estimate
1.43 USD
Revenue estimate
8.08B USD
Last quarter · Q3 FY2026
EPS1.34Beat +1.5%Revenue7.97BMissed -0.3%
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q3 FY2027 | 1.52 | — | — | +13.62% | 8.47B | — | — | +6.33% | |
| Q2 FY2027 | 1.46 | — | — | +7.99% | 8.33B | — | — | +8.03% | |
| Q1 FY2027 | 1.31 | — | — | +11.37% | 8.04B | — | — | +10.35% | |
| Q4 FY2026 | 1.43 | — | — | +13.49% | 8.08B | — | — | +9.69% | |
| Q3 FY2026 | 1.32 | 1.34 | +1.52% | +9.84% | 8.00B | 7.97B | -0.33% | +9.18% | |
| Q2 FY2026 | 1.28 | 1.35 | +5.47% | +21.62% | 7.58B | 7.71B | +1.78% | +10.57% | |
| Q1 FY2026 | 1.14 | 1.18 | +3.51% | +14.56% | 7.28B | 7.29B | +0.10% | +5.20% | |
| Q4 FY2025 | 1.19 | 1.26 | +5.88% | +17.76% | 7.32B | 7.36B | +0.63% | +5.49% | |
| Q3 FY2025 | 1.13 | 1.22 | +7.96% | +18.45% | 7.17B | 7.30B | +1.85% | +6.83% | |
| Q2 FY2025 | 1.07 | 1.11 | +3.74% | +13.27% | 7.05B | 6.98B | -1.03% | +2.00% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 6.46 | — | — | +10.18% | 35.06B | — | — | +5.14% |
| FY2027 | 5.86 | — | — | +10.91% | 33.34B | — | — | +7.35% |
| FY2026 | 5.29 | — | — | +14.44% | 31.06B | — | — | +8.73% |
| FY2025 | 4.55 | 4.62 | +1.56% | +16.08% | 28.60B | 28.57B | -0.12% | +4.50% |
| FY2024 | 3.84 | 3.98 | +3.58% | -7.87% | 27.46B | 27.34B | -0.46% | -2.93% |
| FY2023 | 3.53 | 4.32 | +22.43% | -3.14% | 28.22B | 28.16B | -0.20% | +16.29% |
| FY2022 | 4.35 | 4.46 | +2.49% | -12.55% | 24.49B | 24.22B | -1.12% | +6.58% |
US Bancorp growth and profitability
Full income statement- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 30.23B USD
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 8.38B USD
- Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- 94.15%
- Operating margin
- 35.54%
- Net margin
- 27.70%
Revenue / Net income
Revenue Net income Net margin
How US Bancorp makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
Revenue28.54B 100.0%
Cost of revenue1.61B 5.6%
Gross profit26.93B 94.4%
Selling and administration12.54B 43.9%
Other operating expenses4.87B 17.1%
Operating income9.52B 33.3%
Tax1.92B 6.7%
Other expense20.00M 0.1%
Net income7.58B 26.5%
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
US Bancorp revenue breakdown
By product
FY2025
39.4%Wealth Management And Investment Services31.6%Payment Services28.9%Consumer And Small Business Banking
| Segment | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| Wealth Management And Investment Services | 12.08B | 39.4% | -0.9% |
| Payment Services | 9.70B | 31.6% | +5.4% |
| Consumer And Small Business Banking | 8.87B | 28.9% | -4.2% |
By region
FY2012
57.2%Segment Two32.7%Segment Four10.2%Segment Three
| Region | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| Segment Two | 8.30B | 57.2% | — |
| Segment Four | 4.74B | 32.7% | — |
| Segment Three | 1.48B | 10.2% | — |
Operating and free cash flow
Full cash flow statementOperating cash flow Free cash flow
US Bancorp financial health
Full balance sheet- Cash and short-term investments
- 202.67B USD
- Total debt
- 73.04B USD
- Net cash
- 129.63B USD
- Free cash flow (TTM)What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.
- 12.80B USD
- Current ratioWhat is the current ratio? The current ratio is current assets divided by current liabilities: whether what a company will turn into cash within a year covers what it owes within a year.
- 0.37
- Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
- 1.10
- Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.
- 8 / 9
- Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.
- -0.21
Cash, debt and free cash flow
Cash and short-term investments Total debt Free cash flow
Assets, liabilities and equity
Total assets Total liabilities Shareholders' equity
US Bancorp valuation
- Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 11.83
- Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.
- 11.48
- Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.
- 3.13
- Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.
- 1.42
- EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.
- -2.43
Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.
Market capitalization
94.57B USD
+
Total debt
73.04B USD
−
Cash and short-term investments
202.67B USD
=
Enterprise value
-35.07B USD
Valuation over time
P/EForward P/EForward P/E · EstimateEstimate
US Bancorp against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: The PNC Financial Services Group, Truist Financial, Fifth Third Bancorp, M&T Bank, Huntington Bancshares, and Citizens Financial Group, the US Banks - Regional companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- P/E (today)Above its median11.87.616.4
- Gross marginAbove its median94.4%91.8%105.2%Against its peers: 1 of 7Peers' median 65.5%
- Operating marginAbove its median33.3%24.5%44.7%Against its peers: 1 of 7Peers' median 23.2%
- Net marginAbove its median26.5%19.4%35.0%Against its peers: 1 of 7Peers' median 18.7%
- Return on equityAbove its median11.6%9.8%14.5%Against its peers: 1 of 7Peers' median 9.4%
- Free cash flow marginLowest in 5 years27.9%27.9%87.3%Against its peers: 2 of 7Peers' median 18.6%
- Revenue growthAt its median4.4%-2.4%15.8%Against its peers: 2 of 7Peers' median -0.3%
- EPS growthAbove its median21.6%-27.6%66.7%Against its peers: 2 of 7Peers' median 15.0%
- Debt to EBITDABelow its median7.50×4.12×9.04×Against its peers: 6 of 7Peers' median 4.69×
- Current ratioBelow its median0.260.240.37Against its peers: 5 of 7Peers' median 0.57
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
US Bancorp dividends
- Annual dividend
- 2.16 USD
- Dividend yield (indicated)What is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 3.56%
- Payout ratioWhat is the payout ratio? The payout ratio is the share of a company's earnings paid out as dividends: dividends per share divided by earnings per share (EPS).
- 40.94%
- Years of dividend growthWhat are years of dividend growth? The years in a row a company has raised its dividend per share. 25 years make an S&P 500 company a Dividend Aristocrat; 50 make a Dividend King.
- 16
- Frequency
- Quarterly
- Last payment
- 0.54 USD
- Last ex-dividend dateWhat is the ex-dividend date? The ex-dividend date is the first day a stock trades without its next dividend: buy before it to receive the payment; buy on or after it and the seller gets it.
- 30 Sept 2026
- Last payment date
- 15 Oct 2026
Dividends per share
US Bancorp ownership
- InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- 82.60%
- Institutional holders
- 2,150 (+92)
- Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.
- 99.71%
Who owns the shares
Institutions 82.6% Others 17.4%
As of 30 Jun 2026
Shares free to trade
Free float 1.55B shares ·99.7% Closely held 4.53M shares ·0.3%
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Insider trading
| Quarter | Purchases | Sales | Shares acquired | Shares disposed of |
|---|---|---|---|---|
| Q3 2026 | 0 | 2 | 24.71K | 88.55K |
| Q2 2026 | 0 | 2 | 43.35K | 74.52K |
| Q1 2026 | 0 | 2 | 703.33K | 378.83K |
| Q4 2025 | 0 | 2 | 170.06K | 338.90K |
Shares outstanding
Basic shares Diluted shares Change in diluted shares
Common questions about US Bancorp's financials
Source: Financial Modeling Prep