U.S. Bancorp

Financials Diversified Banks Minneapolis, Minnesota Last filing Feb 23, 2026 · FY2025

                    Revenue
                    FY2025
                
$31.0B
                    3y CAGR +19.9%
                    
                    P71
                    
                    -2.2%
                    
                    Net income
                    FY2025
                
$7.6B
                    Net margin +24.4%
                    
                    P52
                    
                    +20.2%
                    
                    Total assets
                    FY2025
                
$692.3B
                    ROA +1.1%
                    
                    P21
                    
                    +2.1%
                    
                    Operating cash flow
                    FY2025
                
$8.0B
                    
                    -29.8%

19 yrs · FY2007–FY2025 8 filed · 0 derived · 1 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

20 accounts · 3 years

Total assets $692.3B

Total liabilities $626.7B

Shareholders equity $65.2B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	6.8%	8.3%	9.2%
Investment Securities	24.1%	24.3%	23.2%
Loans net	55.4%	54.9%	55.2%
Goodwill	1.8%	1.8%	1.9%
Other Assets	11.9%	10.7%	10.5%
Total Assets	100.0%	100.0%	100.0%
Liabilities
Deposits	75.4%	76.4%	77.2%
Short Term Borrowings	2.5%	2.3%	2.3%
Long Term Debt	8.8%	8.6%	7.8%
Other Liabilities	3.8%	4.0%	4.3%
Total Liabilities	90.5%	91.3%	91.6%
Equity
Total Stockholders Equity	9.4%	8.6%	8.3%
Common Stock	0.0%	0.0%	0.0%
Retained Earnings	11.7%	11.3%	11.2%
Accumulated Other Comprehensive Income	-1.0%	-1.4%	-1.5%
Preferred Stock	1.0%	1.0%	1.0%
Additional Paid In Capital	1.3%	1.3%	1.3%
Treasury Stock	3.5%	3.5%	3.6%
Noncontrolling Interest	0.1%	0.1%	0.1%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

12 accounts · 3 years

Revenue $31.0B

Operating income Not reported

Net income $7.6B

Account	2025	2024	2023
IncomeStatement
Interest Income Total Interest Income	4.5%	4.7%	4.5%
Interest Expense Interest Expense	2.1%	2.3%	1.9%
net Interest Income net Interest Income	2.4%	2.4%	2.6%
Expenses Provision For Credit Losses	0.3%	0.3%	0.3%
Noninterest Income Total Noninterest Income	1.7%	1.6%	1.6%
Expenses Noninterest Expense	2.4%	2.5%	2.8%
Income Tax Income Tax Expense	0.3%	0.2%	0.2%
net Income Other Items Below Tax	-0.0%	-0.0%	-0.0%
net Income net Income	1.1%	0.9%	0.8%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Diluted	0.2%	0.2%	0.2%

Cash Flow Statement

Operating, investing, and financing flows

12 accounts · 3 years

Operating cash flow $8.0B

Investing cash flow $-20.5B

Financing cash flow $2.2B

Account	2025	2024	2023
CashFlow
Operating Activities net Cash From Operating Activities	1.2%	1.7%	1.3%
Operating Activities net Income	1.1%	0.9%	0.8%
Operating Activities Depreciation and Amortization	0.1%	0.1%	0.2%
Operating Activities Other Non Cash Items	-0.1%	0.6%	0.3%
Investing Activities net Cash From Investing Activities	-3.0%	-3.6%	2.9%
Investing Activities Other Investing Activities	-3.0%	-3.6%	2.9%
Financing Activities net Cash From Financing Activities	0.3%	1.3%	-3.0%
Financing Activities Dividends Paid	-0.5%	-0.5%	-0.5%
Financing Activities Repurchase of Common Stock	-0.1%	-0.0%	-0.0%
Financing Activities Other Financing Activities	0.9%	1.8%	-2.5%
Cash Reconciliation Effect of Exchange Rate On Cash	0.1%	-0.0%	0.0%
Cash Reconciliation net Change In Cash	-1.4%	-0.7%	1.2%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	—	—	—
Net margin	+24.4%	+19.9%	+18.1%
FCF margin	—	—	—
Growth
Revenue CAGR (3y)	+19.9%	+32.9%	+26.5%
Returns
ROE	+11.6%	+10.8%	+9.8%
ROA	+1.1%	+0.9%	+0.8%
ROIC	—	—	—
Liquidity
Current ratio	—	—	—
Quick ratio	—	—	—
Leverage
D/E	9.61x	10.57x	10.99x
Interest coverage	—	—	—
Efficiency
Asset turnover	0.04x	0.05x	0.05x
Cash conversion cycle	—	—	—

Valuation

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U.S. Bancorp

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