U.S. Bancorp

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

                    Revenue
                    FY2025
                
$31.0B
                    3y CAGR +19.9%
                    
                    P70
                    
                    -2.2%
                    
                    Net income
                    FY2025
                
$7.6B
                    Net margin +24.4%
                    
                    P71
                    
                    +20.2%
                    
                    Total assets
                    FY2025
                
$692.3B
                    ROA +1.1%
                    
                    P23
                    
                    +2.1%
                    
                    Operating cash flow
                    FY2025
                
$8.0B
                    
                    -29.8%

19 yrs · FY2007–FY2025 9 filed · 0 derived · 0 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

22 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%
Other Current Assets	10.2%	9.0%	8.7%
Property,Plant and Equipment	0.0%	0.0%	0.0%
Goodwill	1.8%	1.8%	1.9%
Intangible Assets	0.7%	0.8%	0.9%
Other Noncurrent Assets	10.2%	9.0%	8.7%
Total Assets	100.0%	100.0%	100.0%
Liabilities
Current Portion of Long Term Debt	2.5%	2.3%	2.3%
Other Current Liabilities	3.8%	4.0%	4.3%
Total Current Liabilities	90.5%	91.3%	91.6%
Deferred Tax Liabilities	0.0%	0.6%	0.6%
Other Noncurrent Liabilities	3.8%	4.0%	4.3%
Total Liabilities	90.5%	91.3%	91.6%
Equity
Preferred Stock	1.0%	1.0%	1.0%
Common Stock	0.0%	0.0%	0.0%
Additional Paid In Capital	0.0%	0.0%	0.0%
Retained Earnings	11.7%	11.3%	11.2%
Treasury Stock	3.5%	3.5%	3.6%
Accumulated Other Comprehensive Income	-1.0%	-1.4%	-1.5%
Noncontrolling Interest	0.1%	0.1%	0.1%
Total Stockholders Equity	9.4%	8.6%	8.3%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

14 accounts · 3 years

Revenue $31.0B

Operating income $7.6B

Net income $7.6B

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	4.5%	4.7%	4.5%
Expenses Selling,General and Administrative	0.1%	0.1%	0.1%
Expenses Depreciation and Amortization	0.1%	0.1%	0.1%
Expenses Share Based Compensation	0.0%	0.0%	0.0%
Other Income Expense Operating Income	1.1%	0.9%	0.8%
Other Income Expense Interest Income	4.5%	4.7%	4.5%
Other Income Expense Income Before Tax	1.4%	1.2%	1.0%
Income Tax Income Tax Expense	0.3%	0.2%	0.2%
net Income net Income	1.1%	0.9%	0.8%
net Income Comprehensive Income	1.5%	1.0%	1.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	0.2%	0.2%	0.2%
Earnings Per Share Weighted Average Shares Diluted	0.2%	0.2%	0.2%

Cash Flow Statement

Operating, investing, and financing flows

22 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 Income	1.1%	0.9%	0.8%
Operating Activities Depreciation and Amortization	0.1%	0.1%	0.1%
Operating Activities Stock Based Compensation	0.0%	0.0%	0.0%
Operating Activities Deferred Income Taxes	0.0%	0.0%	-0.1%
Operating Activities Other Non Cash Items	-0.3%	0.3%	-0.0%
Operating Activities net Cash From Operating Activities	1.2%	1.7%	1.3%
Investing Activities Business Acquisitions	0.0%	0.0%	0.0%
Investing Activities Purchases of Investments	2.3%	5.3%	1.3%
Investing Activities Proceeds From Sale of Investments	1.0%	0.9%	1.0%
Investing Activities Other Investing Activities	0.4%	0.3%	0.2%
Investing Activities net Cash From Investing Activities	-3.0%	-3.6%	2.9%
Financing Activities Proceeds From Debt	1.5%	1.8%	2.3%
Financing Activities Repayment of Debt	1.3%	0.9%	0.6%
Financing Activities Repurchase of Common Stock	0.1%	0.0%	0.0%
Financing Activities Dividends Paid	0.5%	0.5%	0.4%
Financing Activities Proceeds From Stock Issuance	0.0%	0.0%	0.0%
Financing Activities Other Financing Activities	-0.0%	-0.0%	0.0%
Financing Activities net Cash From Financing Activities	0.3%	1.3%	-3.0%
Cash Reconciliation Effect of Exchange Rate On Cash	6.8%	8.3%	9.2%
Cash Reconciliation net Change In Cash	-1.4%	-0.7%	1.2%
Cash Reconciliation Cash At Beginning of Period	6.8%	8.3%	9.2%
Cash Reconciliation Cash At End of Period	6.8%	8.3%	9.2%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	+24.4%	+19.9%	+18.1%
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	+17.0%	+28.6%	+46.0%
Liquidity
Current ratio	—	—	—
Quick ratio	—	—	—
Leverage
D/E	9.61x	10.57x	10.99x
Interest coverage	—	—	0.43x
Efficiency
Asset turnover	0.04x	0.05x	0.05x
Cash conversion cycle	—	—	—

Valuation

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U.S. Bancorp

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