Stocks · Financial Services · Banks - Regional
U.S. Bancorp USB
$57.51 +0.26% Close, Oct 2, 2026 · NYSE · Market cap $89.59B
Inexpensive vs sector
Next earnings report: Oct 15, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 12 quarters (average surprise over the last four: +5.7%).
- Diluted EPS over the last four quarters was $5.00, up 19.6% year over year.
- Revenue over the last four quarters was $43.74B, up 3.3% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth66Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 37%
- EPS growth (TTM, YoY)Top 49%
- FCF growth (TTM, YoY)Top 25%
- Revenue growth, 3-year CAGRTop 45%
- Revenue growth accelerationTop 32%
Quality63Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 15%
- Gross marginBottom 47%
- Operating marginTop 44%
- Cash conversion (OCF / net income)Top 30%
- Accruals (lower is better)Top 40%
- Net debt / EBITDA (lower is better)Bottom 37%
- Interest coverBottom 40%
Value81Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 28%
- Free-cash-flow yieldTop 21%
- EBITDA / enterprise valueTop 34%
- Sales / enterprise valueTop 38%
- P/E vs own 5-year history (lower is better)Top 44%
Momentum50Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 22%
- 6-month returnTop 43%
- 1-year return vs S&P 500Top 31%
- Distance from 52-week highBottom 40%
- Trend checklist (0–4)Bottom 27%
Revisions83Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 45%
- Consecutive EPS beatsTop 6%
- Share of analysts rating BuyTop 44%
- Upside to consensus price targetTop 32%
Stability32Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 40%
- Maximum drawdown, 3 yearsBottom 41%
- Beta vs S&P 500 (lower is better)Bottom 18%
- Net debt / EBITDA (lower is better)Bottom 37%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 1.7% | 3.3% | ↑ |
| EPS growth (YoY) | 17.8% | 19.6% | ↑ |
| Gross margin | 60.4% | 63.8% | ↑ |
| Operating margin | 20.4% | 23.9% | ↑ |
| FCF margin | 17.7% | 28.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.3% | 1.7% | ↑ | Bottom 37% |
| EPS growth (TTM, YoY) | 19.6% | 17.8% | ↑ | Top 49% |
| Gross margin | 63.8% | 60.4% | ↑ | Bottom 47% |
| Operating margin | 23.9% | 20.4% | ↑ | Top 44% |
| Net margin | 18.7% | 16.3% | ↑ | — |
| Free-cash-flow margin | 28.3% | 17.7% | ↑ | — |
| Return on invested capital | 9.5% | — | Top 15% | |
| Revenue growth, 3-year CAGR | 16.1% | — | Top 45% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.52×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -103.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.72×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.60%
- Net buyback yield (TTM)
- 0.73%
- Shareholder yield
- 4.33%
- Share count change, 1 year
- -0.3%
- Share count change, 3-year CAGR
- +0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 12
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +5.7%
- Average 2-day reaction, last 8
- -0.7%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $70.06
- Target vs current price
- +21.8%
- Analysts with a rating
- 49
- Share rating Buy or Strong Buy
- 51%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 16, 2026 | +5.5% | +1.6% | +2.3% | +3.2% | — |
| Apr 16, 2026 | +3.5% | -1.6% | +0.4% | -6.4% | +10.6% |
| Jan 20, 2026 | +5.9% | -0.0% | +2.6% | +6.9% | +3.6% |
| Oct 16, 2025 | +8.0% | -1.7% | +1.9% | +3.1% | +17.1% |
| Jul 17, 2025 | +3.7% | -1.0% | +1.3% | +2.0% | +3.1% |
| Apr 16, 2025 | +5.2% | -2.1% | +2.3% | +14.5% | +21.8% |
| Jan 16, 2025 | +2.9% | -5.6% | -4.9% | -6.9% | -25.6% |
| Oct 16, 2024 | +4.0% | +4.7% | +2.2% | +8.0% | +3.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 16, 2026 | $1.35 | $1.28 | +5.5% | $7.71B |
| Apr 16, 2026 | $1.18 | $1.14 | +3.5% | $7.29B |
| Jan 20, 2026 | $1.26 | $1.19 | +5.9% | $7.36B |
| Oct 16, 2025 | $1.22 | $1.13 | +8.0% | $7.30B |
| Jul 17, 2025 | $1.11 | $1.07 | +3.7% | $6.97B |
| Apr 16, 2025 | $1.03 | $0.98 | +5.2% | $6.93B |
| Jan 16, 2025 | $1.07 | $1.04 | +2.9% | $6.98B |
| Oct 16, 2024 | $1.03 | $0.99 | +4.0% | $6.83B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.5× | 11.6× | 48th | Top 28% |
| P/E (forward) | 11.0× | — | — | — |
| EV / EBITDA | 11.0× | — | — | Top 34% |
| EV / Sales | 2.72× | — | — | Top 38% |
| Free-cash-flow yield | 13.82% | — | — | Top 21% |
| Earnings yield | 8.69% | — | — | Top 28% |
P/E over the past five years
Range 7.9× – 14.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +20.1%
- Earnings per share growth (TTM)
- +19.6%
- Change in P/E multiple
- +20.9%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.4%
- 200-day average slope (20 days)
- +1.8%
- Distance from 50-day average
- -7.4%
- Distance from 200-day average
- -0.3%
- RSI (14)
- 31.4
- Relative volume
- 0.94×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.9%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.08
- Correlation with S&P 500
- 0.64
- Current drawdown from 1-year high
- -12.1%
- Maximum drawdown, 3 years
- -32.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 16, 2023 | -54.7% | 334 days | 793 days (Jul 16, 2026) |
| Jan 7, 2021 | Feb 1, 2021 | -14.5% | 16 days | 13 days (Feb 19, 2021) |
| Oct 22, 2021 | Dec 1, 2021 | -12.6% | 27 days | 30 days (Jan 13, 2022) |
| May 17, 2021 | Jul 19, 2021 | -12.4% | 43 days | 58 days (Oct 8, 2021) |
| Aug 14, 2026 | Oct 1, 2026 | -12.3% | 33 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $89.59B
- P/E (TTM)
- 11.5
- EPS, diluted (TTM)
- $5.00
- Revenue (TTM)
- $43.74B
- Dividend yield
- 3.65%
- 52-week range
- $45.02 – $66.08
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $23.71B | $27.40B | $40.62B | $42.71B | $42.86B |
| Gross profit | $23.89B | $22.21B | $25.74B | $25.10B | $26.93B |
| Operating income | $10.17B | $7.30B | $6.87B | $7.91B | $9.52B |
| Net income | $7.96B | $5.83B | $5.43B | $6.30B | $7.58B |
| EPS (diluted) | $5.10 | $3.69 | $3.27 | $3.79 | $4.61 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.78B | $10.66B | $10.35B | $10.53B | $11.01B | $10.98B | $10.84B | $10.92B |
| Net income | $1.71B | $1.66B | $1.71B | $1.81B | $2.00B | $2.05B | $1.95B | $2.18B |
| EPS (diluted) | $1.03 | $1.01 | $1.03 | $1.11 | $1.21 | $1.26 | $1.18 | $1.35 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $9.87B | $21.12B | $8.45B | $11.27B | $7.97B |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $9.87B | $21.12B | $8.45B | $11.27B | $7.97B |
| Dividends paid | -$2.58B | -$2.78B | -$2.97B | -$3.09B | -$3.17B |
| Net share buybacks | -$541.0M | -$711.0M | $889.0M | -$141.0M | -$444.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $66.49B
- Total assets
- $725.92B
- Total liabilities
- $658.02B
- Total debt
- $96.01B
- Net debt
- $29.52B
- Shareholders’ equity
- $67.43B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 30, 2026 | $0.54 | Oct 15, 2026 |
| Jun 30, 2026 | $0.52 | Jul 15, 2026 |
| Mar 31, 2026 | $0.52 | Apr 15, 2026 |
| Dec 31, 2025 | $0.52 | Jan 15, 2026 |
| Sep 30, 2025 | $0.52 | Oct 15, 2025 |
| Jun 30, 2025 | $0.50 | Jul 15, 2025 |
| Mar 31, 2025 | $0.50 | Apr 15, 2025 |
| Dec 31, 2024 | $0.50 | Jan 15, 2025 |
Short interest
- Shares sold short
- 23,976,928
- Days to cover
- 3.84
- Change vs previous report
- -4.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 27, 2001
- 253-for-200
- Apr 16, 1999
- 3-for-1
- May 19, 1998
- 3-for-1
- Jan 16, 1997
- 3-for-1
- Apr 17, 1989
- 2-for-1