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USB

U.S. Bancorp

Jan 20 • 04:00PM ET

54.38

-0.02 -0.04 %

Financial • Banks - Regional • USA • NYSE

Jan 20, 12:32 PMU.S. Bancorp posts Q4 FY2025 results beating estimates with non-GAAP EPS $1.26 (+25% YoY), revenue $7.4B (+5% YoY) and net income $2.05B; guides FY2026 revenue to $29.85–$30.42B (near $30.04B Street) and, on its call, sets 2026 targets for 4%–6% net revenue growth and >200 bps operating leverage, detailing BTIG’s expected $175–$200M quarterly fee revenue, a modest 12 bps CET1 impact, and a gradual resumption of $100–$200M in share buybacks.

Peers: JPM BAC C WFC PNC TFC COF FITB KEY RF

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Scroll to Statements

Index	S&P 500	P/E	11.78	EPS (ttm)	4.62	Insider Own	0.23%	Shs Outstand	1.55B	Perf Week	-0.02%
Market Cap	84.53B	Forward P/E	9.82	EPS next Y	5.54	Insider Trans	-5.57%	Shs Float	1.55B	Perf Month	1.19%
Enterprise Value	-	PEG	1.01	EPS next Q	1.11	Inst Own	80.69%	Short Float	1.34%	Perf Quarter	19.02%
Income	7.27B	P/S	1.96	EPS this Y	8.15%	Inst Trans	-1.03%	Short Ratio	2.30	Perf Half Y	18.79%
Sales	43.20B	P/B	1.45	EPS next Y	10.82%	ROA	1.10%	Short Interest	20.74M	Perf YTD	1.91%
Book/sh	37.55	P/C	-	EPS next 5Y	9.70%	ROE	12.18%	52W High	56.19 -3.23%	Perf Year	13.22%
Cash/sh	-	P/FCF	8.54	EPS past 3/5Y	7.76% 8.59%	ROIC	5.77%	52W Low	35.18 54.58%	Perf 3Y	14.27%
Dividend Est.	2.12 (3.90%)	EV/EBITDA	-	Sales past 3/5Y	16.08% 13.49%	Gross Margin	-	Volatility	1.94% 1.70%	Perf 5Y	9.53%
Dividend TTM	2.04 (3.75%)	EV/Sales	-	EPS Y/Y TTM	21.96%	Oper. Margin	23.95%	ATR (14)	1.03	Perf 10Y	36.43%
Dividend Ex-Date	Dec 31, 2025	Quick Ratio	-	Sales Y/Y TTM	2.14%	Profit Margin	16.84%	RSI (14)	55.35	Recom	2.12
Dividend Gr. 3/5Y	4.00% 4.62%	Current Ratio	0.46	EPS Q/Q	24.32%	SMA20	-0.35%	Beta	1.08	Target Price	61.80
Payout	44.16%	Debt/Eq	1.20	Sales Q/Q	3.63%	SMA50	5.34%	Rel Volume	1.50	Prev Close	54.40
Employees	70000	LT Debt/Eq	0.93	Earnings	Jan 20 BMO	SMA200	16.29%	Avg Volume	9.00M	Price	54.38
IPO	May 03, 1973	Option/Short	Yes / Yes	EPS/Sales Surpr.	5.99% 0.63%	Trades		Volume	13,465,671	Change	-0.04%

Date	Action	Analyst	Rating Change	Price Target Change
Jan-07-26	Downgrade	Wolfe Research	Outperform → Peer Perform
Oct-23-25	Upgrade	Deutsche Bank	Hold → Buy	$52.50
Sep-29-25	Downgrade	Morgan Stanley	Overweight → Equal-Weight	$56
Jul-07-25	Upgrade	Raymond James	Outperform → Strong Buy	$57
May-15-25	Initiated	TD Cowen	Buy	$60
Apr-03-25	Upgrade	Wolfe Research	Peer Perform → Outperform	$49
Apr-03-25	Downgrade	JP Morgan	Neutral → Underweight	$43.50
Jan-13-25	Upgrade	Piper Sandler	Neutral → Overweight	$58
Jan-02-25	Upgrade	DA Davidson	Neutral → Buy	$58 → $60
Dec-19-24	Upgrade	Raymond James	Mkt Perform → Outperform	$57
Nov-25-24	Upgrade	Citigroup	Neutral → Buy	$49 → $65
Oct-24-24	Downgrade	Deutsche Bank	Buy → Hold	$51
Sep-30-24	Upgrade	Morgan Stanley	Equal-Weight → Overweight	$54 → $57
Jun-27-24	Downgrade	JP Morgan	Overweight → Neutral	$43.50
Apr-18-24	Downgrade	Keefe Bruyette	Outperform → Mkt Perform	$52 → $45
Mar-28-24	Upgrade	HSBC Securities	Hold → Buy	$47 → $53
Mar-22-24	Upgrade	Compass Point	Neutral → Buy	$46 → $49
Dec-20-23	Downgrade	Stephens	Overweight → Equal-Weight
Dec-15-23	Downgrade	Robert W. Baird	Outperform → Neutral	$52
Dec-14-23	Upgrade	Odeon	Hold → Buy

Show Previous Ratings

Jan-20-26 06:30PM	U.S. Bancorp (USB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
04:00PM	U.S. Bancorp (USB) Q4 2025 Earnings Call Highlights: Record Revenues and Strong EPS Growth (GuruFocus.com)
01:35PM	Stocks Tumble, Treasury Yields Jump To 5-Month Highs: What's Moving Markets Tuesday? (Benzinga)
01:20PM	U.S. Bancorp Reports Earnings Beat, Lifts Revenue Outlook (GuruFocus.com)
12:52PM	U.S. Bancorp Q4 Earnings Beat Estimates as NII & Fee Income Rise Y/Y (Zacks)
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11:20AM	Why Bank Stocks Could Surprise Investors in 20263 Dividend Plays to Consider (24/7 Wall St.)
11:17AM	U.S. Bancorp Q4 Earnings Call Highlights (MarketBeat)
09:46AM	US Bancorp's Profits Surge On Record Deposits, Strong Fee Growth (Benzinga)
08:45AM	Top Stocks With Earnings This Week: Netflix, Intel and More (Benzinga)
07:25AM	U.S. Bancorp's (NYSE:USB) Q4 CY2025: Beats On Revenue (StockStory)
06:45AM	U.S. Bancorp Reports Fourth Quarter 2025 Results (Business Wire)
03:20AM	Netflix headlines Tuesday's earnings slate (MarketWatch)
02:51AM	Trump at Davos, Netflix Earnings, Supreme Court: What to Watch This Week (The Wall Street Journal)
Jan-19-26 12:28PM	Stable NII & Loan Growth to Support U.S. Bancorp's Q4 Earnings (Zacks)
10:00AM	Loan Growth, Higher Fee Income to Support Truist's Q4 Earnings (Zacks)
10:02PM	Loading…
Jan-18-26 10:02PM	U.S. Bancorp (USB) Q4 Earnings: What To Expect (StockStory)
01:00PM	Trump Speech, Earnings and Other Key Things to Watch this Week (Barchart)
07:30AM	Trump in Davos, Netflix and Intel results on deck earnings season ramps: What to watch this week (Yahoo Finance)
07:30AM	Trump in Davos, Netflix and Intel results on deck as earnings season ramps: What to watch this week (Yahoo Finance)
07:30AM	Trump in Davos, Netflix and Intel results on deck as earnings season ramps up: What to watch this week (Yahoo Finance)
Jan-16-26 07:00PM	Trump at Davos, Netflix earnings, SCOTUS hearing: What to Watch (Yahoo Finance Video)
03:30PM	Leaders Head to Davos, Earnings Heat Up: What to Watch Next Week (The Wall Street Journal)
11:09AM	RJF to Buy Clark Capital to Strengthen Asset Management Business (Zacks)
Jan-15-26 08:45AM	U.S. Bancorp to Expand Capital Markets Business With BTIG Acquisition (Zacks)
Jan-14-26 11:48AM	Thursday Earnings Preview: Look to These Banking Giants for Key Consumer Insights (Barchart)
09:15AM	Countdown to U.S. Bancorp (USB) Q4 Earnings: A Look at Estimates Beyond Revenue and EPS (Zacks)
Jan-13-26 05:36PM	US Bank to Buy BTIG for Up to $1 Billion in Trading Push (Bloomberg)
10:43AM	Microsoft to pay more for power, US Bancorp's $1B deal for BTIG (Yahoo Finance Video)
10:00AM	U.S. Bancorp (USB) Earnings Expected to Grow: Should You Buy? (Zacks)
08:36AM	U.S. Bancorp to Buy BTIG for Up to $1 Billion (The Wall Street Journal)
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08:00AM	U.S. Bancorp to Acquire BTIG (Business Wire)
Jan-12-26 08:43AM	20 bank stocks expected to rise as much as 17% during 2026 (MarketWatch)
Jan-08-26 03:11PM	Huntington Bancshares Stock Sees IBD RS Rating Rise To 73 (Investor's Business Daily)
Jan-07-26 12:10PM	Will U.S. Bancorp (USB) Beat Estimates Again in Its Next Earnings Report? (Zacks)
Jan-06-26 09:00AM	U.S. Bancorp Announces Fourth Quarter Earnings Conference Call Details (Business Wire)
Jan-05-26 12:16PM	U.S. Bancorp (USB) Stock Trades Up, Here Is Why (StockStory)
Dec-31-25 10:23AM	What Falling Interest Rates Mean for KeyCorp's Net Interest Income (Zacks)
07:07AM	The Zacks Analyst Blog Highlights Bank of America, Wells Fargo and U.S. Bancorp (Zacks)
Dec-30-25 10:24AM	What Falling Interest Rates Mean for Truist's Net Interest Income (Zacks)
10:16AM	US Consumer Credit Stress Rises: 3 Bank Stocks to Watch for Stability (Zacks)
Dec-29-25 01:47PM	What Falling Rates Mean for M&T Bank's Net Interest Income? (Zacks)
01:43PM	U.S. Bancorp Up Nearly 22% in 6 Months: Buy, Hold, or Sell the Stock? (Zacks)
Dec-24-25 12:46PM	3 Bank Stocks to Keep on Your Radar as They Reach New 52-Week Highs (Zacks)
Dec-19-25 07:10AM	Here's What to Expect From U.S. Bancorp's Next Earnings Report (Barchart)
Dec-18-25 12:00PM	Are You Looking for a Top Momentum Pick? Why U.S. Bancorp (USB) is a Great Choice (Zacks)
09:51AM	Ciena and Jack in the Box have been highlighted as Zacks Bull and Bear of the Day (Zacks)
Dec-17-25 11:55AM	2026 Can Be a Great Year for Banks: 3 Solid Stock Picks (Zacks)
10:00AM	U.S. Bank Avvance Expands Embedded Financing Network with Three New Integrated Partners (Business Wire)
Dec-16-25 10:00AM	U.S. Bank and Coinstar Announce Expanded Partnership to Offer More Convenient Coin Deposit Options (Business Wire)
Dec-15-25 11:40AM	USB vs. NTRS: Which Stock Is the Better Value Option? (Zacks)
05:35AM	1 Risky ETF to Avoid Buying in December (Motley Fool)
Dec-11-25 04:51AM	Zacks Industry Outlook Highlights The Bank of New York Mellon and U.S. Bancorp (Zacks)
Dec-10-25 05:30PM	U.S. Bank Decreases Prime Lending Rate to 6.75 Percent (Business Wire)
09:41AM	KeyCorp Stock Gains 3% on Record 2025 Revenue Growth Projection (Zacks)
08:26AM	2 Major Regional Banks to Buy as Industry Prospects Remain Favorable (Zacks)
Dec-09-25 05:07PM	U.S. Bancorp Announces Quarterly Dividends (Business Wire)
Dec-04-25 07:20PM	US Bancorp: A Strong Contender in the Banking Sector (Motley Fool)
Dec-03-25 09:00AM	U.S. Bancorp to Speak at the Goldman Sachs U.S. Financial Services Conference (Business Wire)
Dec-02-25 10:38AM	5 Banks That Outperform the S&P 500 in Volatile November (Zacks)
Dec-01-25 12:09PM	The Zacks Analyst Blog Highlights U.S Bancorp, KeyCorp and Columbia Banking System (Zacks)
07:38AM	How Is U.S. Bancorp's Stock Performance Compared to Other Regional Banks Stocks? (Barchart)
Nov-28-25 11:40AM	USB or BK: Which Is the Better Value Stock Right Now? (Zacks)
09:16AM	3 Bank Stocks With Solid Dividend Yield to Keep an Eye On (Zacks)
Nov-27-25 11:01PM	3 Reasons to Avoid USB and 1 Stock to Buy Instead (StockStory)
Nov-26-25 01:03PM	XLM Edges Higher 2.6% to $0.25 as U.S. Bank Tests Stablecoin Pilot (CoinDesk)
08:41AM	Goldman Sachs Spotlights Dividend Stocks Using AI 5 Strong Buys Now (24/7 Wall St.)
Nov-25-25 12:12PM	U.S. Bancorp Quietly Joins the Stablecoin War--Why It Could Change Everything (GuruFocus.com)
Nov-20-25 08:00AM	Wells Fargo, Robinhood Top New Rankings for Digital Wealth Management (Barrons.com)
06:00AM	Why US Bank, UBS, JPMorgan All Shut Down Their Robo Advisors (The Daily Upside)
Nov-19-25 12:28PM	Will U.S. Bancorp's AI-Focused Strategy Boost Profitability? (Zacks)
09:00AM	U.S. Bank, AAA - The Auto Club Group Drive Credit Card Partnership Into New Chapter (Business Wire)
Nov-18-25 08:00AM	U.S. Bank launches AI-driven cash forecasting tool (Business Wire)
Nov-04-25 10:06AM	TD Cowen Raises PT on U.S. Bancorp (USB) Stock (Insider Monkey)
06:55AM	U.S. Bancorp Stock: Analyst Estimates & Ratings (Barchart)
Nov-03-25 09:00AM	U.S. Bank Launches Edward Jones Co-Branded Products, Expanding Reach to Millions of New Customers (Business Wire)
Oct-31-25 09:00AM	U.S. Bancorp to Speak at the BancAnalysts Association of Boston Conference (Business Wire)
Oct-30-25 08:00AM	U.S. Bank: Freight market contracts in Q3 as capacity tightens (Business Wire)
Oct-29-25 05:30PM	U.S. Bank Decreases Prime Lending Rate to 7.00 Percent (Business Wire)
Oct-28-25 01:57PM	Berkshires Charlie Munger Long Chaired This Legal Publisher. Its Stock Looks Cheap. (Barrons.com)
Oct-24-25 11:36AM	3 Regional Bank Stocks That Crushed Q3 Earnings (MarketBeat)
Oct-23-25 09:40AM	Here's Why U.S. Bancorp (USB) is a Strong Value Stock (Zacks)
01:33AM	5 Insightful Analyst Questions From U.S. Bancorp's Q3 Earnings Call (StockStory)
Oct-22-25 12:21PM	Citigroup's 2025 Revenues to Cross $84B: What's Driving the Momentum? (Zacks)
Oct-21-25 10:08PM	TD Cowen Raises U.S. Bancorp (USB) Price Target, Cites Strong Revenue and Fee Growth (Insider Monkey)
10:00AM	U.S. Bank Avvance Launches Customized Embedded Financing Offering (Business Wire)
Oct-20-25 11:34PM	Q3 Earnings Highlights: U.S. Bancorp (NYSE:USB) Vs The Rest Of The Diversified Banks Stocks (StockStory)
03:19PM	3 High-Yield Banks for Investors to Buy on the Dip (MarketBeat)
08:22AM	Earnings live: Tesla, Netflix, General Motors, Ford, and P&G to headline third quarter earnings calendar this week (Yahoo Finance)
Oct-19-25 06:32PM	They Managed 'Dozens Of Credit Cards Responsibly'Until They Didn't. Now They Owe $177,000 And Can't Find A Way Out. Here's What Happened (Benzinga)
01:01PM	Business People: City & County Credit Union announces top executive transition (Pioneer Press, St. Paul, Minn.)
Oct-17-25 04:24PM	How regional bank earnings helped put bank stocks back on track (Yahoo Finance Video)
08:51AM	TFC Q3 Earnings Beat as Fee Income Rises, Provisions Fall, Stock Gains (Zacks)
08:12AM	Earnings live: American Express beats estimates, EssilorLuxottica stock surges as focus turns to regional bank earnings (Yahoo Finance)
01:30AM	USB Q3 Deep Dive: Payments, Fee Growth, and Deposit Strategy Drive Solid Performance (StockStory)
Oct-16-25 04:42PM	Earnings live: TSMC profit surges, CSX and Interactive Brokers Q3 results beat estimates (Yahoo Finance)
03:02PM	U.S. Bancorp (USB) Q3 2025 Earnings Call Highlights: Record Revenue and Strong EPS Growth (GuruFocus.com)
12:23PM	U.S. Bancorp Stock Gains as Q3 Earnings Beat on NII, Fee Income Growth (Zacks)
11:45AM	Why U.S. Bancorp (USB) is a Top Dividend Stock for Your Portfolio (Zacks)
11:25AM	Banks report 'healthy' earnings: Analyst breaks it down (Yahoo Finance Video)
11:06AM	Pre-Markets in Green on Strong Q3 Results and AI Trade (Zacks)

U.S. Bancorp operates as a bank holding company, which offers financial services including lending and depository services, cash management, foreign exchange and trust and investment management. The firm also offers mortgage, refinance, auto, boat and RV loans, credit lines, credit card services, merchant, bank, checking and savings accounts, debit cards, online and mobile banking, ATM processing, mortgage banking, insurance, brokerage and leasing services. The company was founded on April 2, 1929, and is headquartered in Minneapolis, MN.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
CHOSY JAMES L	Senior EVP and General Counsel	Oct 20 '25	Option Exercise	39.49	29,428	1,162,112	253,284	Oct 21 04:33 PM
CHOSY JAMES L	Senior EVP and General Counsel	Oct 20 '25	Sale	46.86	26,909	1,261,010	226,375	Oct 21 04:33 PM
CECERE ANDREW	Executive Chairman	Oct 20 '25	Option Exercise	39.49	140,445	5,546,173	1,500,859	Oct 21 04:31 PM
CECERE ANDREW	Executive Chairman	Oct 20 '25	Sale	46.34	140,445	6,508,924	1,360,414	Oct 21 04:31 PM
CHOSY JAMES L	Officer	Oct 20 '25	Proposed Sale	46.86	26,909	1,261,005		Oct 20 11:46 AM
CECERE ANDREW	Director	Oct 20 '25	Proposed Sale	46.34	140,445	6,508,904		Oct 20 10:52 AM
Stark Lisa R	EVP and Controller	Jul 21 '25	Sale	46.40	19,903	923,400	42,139	Jul 22 05:00 PM
Badran Souheil	SEVP, Chief Operations Officer	Jul 21 '25	Sale	46.34	23,727	1,099,438	70,346	Jul 22 04:59 PM
Badran Souheil	Officer	Jul 21 '25	Proposed Sale	46.34	23,727	1,099,441		Jul 21 03:02 PM
Stark Lisa R	Officer	Jul 21 '25	Proposed Sale	46.40	19,903	923,400		Jul 21 01:13 PM
Gillani Aleem	Director	Apr 21 '25	Buy	37.32	5,000	186,600	15,000	Apr 21 04:41 PM
Roy Arijit	Sr. Exec. VP	Mar 07 '25	Sale	43.67	2,237	97,701	39,994	Mar 10 04:34 PM
Roy Arijit	Officer	Mar 07 '25	Proposed Sale	43.68	2,237	97,701		Mar 07 01:01 PM
DOLAN TERRANCE R	Officer	Feb 13 '25	Proposed Sale	46.98	25,000	1,174,529		Feb 13 12:20 PM
CHOSY JAMES L	Senior EVP and General Counsel	Feb 05 '25	Option Exercise	44.32	22,451	995,028	219,578	Feb 07 04:52 PM
CHOSY JAMES L	Senior EVP and General Counsel	Feb 05 '25	Sale	47.65	21,451	1,022,140	198,127	Feb 07 04:52 PM
Richard Jodi L	Vice Chair	Feb 06 '25	Sale	47.59	30,000	1,427,610	99,790	Feb 07 04:51 PM
Richard Jodi L	Officer	Feb 06 '25	Proposed Sale	47.59	30,000	1,427,622		Feb 06 12:57 PM
Stark Lisa R	EVP and Controller	Feb 03 '25	Option Exercise	41.18	3,209	132,143	51,919	Feb 05 05:13 PM
Stark Lisa R	EVP and Controller	Feb 03 '25	Sale	47.10	3,209	151,144	48,710	Feb 05 05:13 PM
DOLAN TERRANCE R	Vice Chair	Feb 03 '25	Option Exercise	41.51	66,317	2,752,574	275,799	Feb 05 05:10 PM
DOLAN TERRANCE R	Vice Chair	Feb 03 '25	Sale	46.96	66,317	3,114,114	209,482	Feb 05 05:10 PM
CECERE ANDREW	Chairman and CEO	Feb 04 '25	Option Exercise	44.32	102,044	4,522,590	1,332,360	Feb 05 05:09 PM
CECERE ANDREW	Chairman and CEO	Feb 04 '25	Sale	47.25	102,044	4,821,681	1,230,316	Feb 05 05:09 PM
CHOSY JAMES L	Officer	Feb 05 '25	Proposed Sale	47.65	21,451	1,022,141		Feb 05 12:41 PM
CECERE ANDREW	Officer	Feb 04 '25	Proposed Sale	47.25	102,044	4,821,650		Feb 04 10:29 AM
Stark Lisa R	Officer	Feb 03 '25	Proposed Sale	47.10	3,209	151,144		Feb 03 03:39 PM
DOLAN TERRANCE R	Officer	Feb 03 '25	Proposed Sale	46.96	66,317	3,114,118		Feb 03 01:32 PM

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USB

U.S. Bancorp

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