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

Running CAGR since the earliest displayed year.

Balance Sheet

Assets, liabilities, and equity

20 accounts · 5 years

Total assets $692.3B

Total liabilities $626.7B

Shareholders equity $65.2B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	+12.9%	+25.0%	+45.5%	+85.2%	—
Investment Securities	-1.1%	-2.0%	-6.2%	-7.5%	—
Loans net	+5.8%	+6.7%	+9.4%	+24.5%	—
Goodwill	+5.3%	+6.9%	+10.3%	+20.6%	—
Other Assets	+13.4%	+13.4%	+18.4%	+32.8%	—
Total Assets	+4.8%	+5.8%	+7.6%	+17.7%	—
Liabilities
Deposits	+3.4%	+4.4%	+6.0%	+15.1%	—
Short Term Borrowings	+9.8%	+9.6%	+13.8%	+164.6%	—
Long Term Debt	+17.3%	+21.8%	+26.6%	+24.0%	—
Other Liabilities	+10.4%	+15.3%	+26.5%	+54.0%	—
Total Liabilities	+4.9%	+6.1%	+8.3%	+20.4%	—
Equity
Total Stockholders Equity	+4.4%	+2.2%	+0.4%	-7.6%	—
Common Stock	+0.0%	+0.0%	+0.0%	+0.0%	—
Retained Earnings	+4.0%	+3.6%	+3.4%	+3.9%	—
Accumulated Other Comprehensive Income	—	—	—	—	—
Preferred Stock	+1.7%	+2.2%	+3.4%	+6.9%	—
Additional Paid In Capital	+0.5%	+0.7%	+0.8%	+2.0%	—
Treasury Stock	-2.9%	-4.1%	-5.9%	-7.3%	—
Noncontrolling Interest	-0.6%	-0.5%	-0.4%	-0.6%	—
Total Liabilitiesand Equity	+4.8%	+5.8%	+7.6%	+17.7%	—

Income Statement

Revenue, expense, and profitability

12 accounts · 5 years

Revenue $31.0B

Operating income Not reported

Net income $7.6B

Account	2025	2024	2023	2022	2021
IncomeStatement
Interest Income Total Interest Income	+23.1%	+32.9%	+49.2%	+33.1%	—
Interest Expense Interest Expense	+94.9%	+149.3%	+256.4%	+224.0%	—
net Interest Income net Interest Income	+7.4%	+9.2%	+18.0%	+17.9%	—
Expenses Provision For Credit Losses	—	—	—	—	—
Noninterest Income Total Noninterest Income	+3.8%	+2.6%	+1.9%	-7.5%	—
Expenses Noninterest Expense	+5.2%	+7.8%	+17.3%	+8.6%	—
Income Tax Income Tax Expense	-3.1%	-10.2%	-19.7%	-32.9%	—
net Income Other Items Below Tax	—	—	—	—	—
net Income net Income	-1.3%	-7.5%	-17.4%	-26.8%	—
Earnings Per Share Diluted Eps	-2.4%	-9.4%	-19.9%	-27.6%	—
Earnings Per Share Basic Eps	-2.5%	-9.5%	-20.0%	-27.8%	—
Earnings Per Share Weighted Average Shares Diluted	+1.1%	+1.6%	+1.8%	+0.0%	—

Cash Flow Statement

Operating, investing, and financing flows

12 accounts · 5 years

Operating cash flow $8.0B

Investing cash flow $-20.5B

Financing cash flow $2.2B

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Cash From Operating Activities	-5.2%	+4.8%	-7.8%	+114.0%	—
Operating Activities net Income	-1.3%	-7.5%	-17.4%	-26.8%	—
Operating Activities Depreciation and Amortization	+15.2%	+23.6%	+43.1%	+12.7%	—
Operating Activities Other Non Cash Items	—	+42.9%	+17.5%	+945.0%	—
Investing Activities net Cash From Investing Activities	—	—	—	—	—
Investing Activities Other Investing Activities	—	—	—	—	—
Financing Activities net Cash From Financing Activities	-36.6%	-14.2%	—	—	—
Financing Activities Dividends Paid	—	—	—	—	—
Financing Activities Repurchase of Common Stock	—	—	—	—	—
Financing Activities Other Financing Activities	-23.7%	-12.2%	—	—	—
Cash Reconciliation Effect of Exchange Rate On Cash	—	—	—	—	—
Cash Reconciliation net Change In Cash	—	—	—	—	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	—	—	—	—	—
Net margin	+24.4%	+19.9%	+18.1%	+32.5%	+59.0%
FCF margin	—	—	—	—	—
Growth
Revenue CAGR (3y)	+19.9%	+32.9%	+26.5%	+0.9%	-5.9%
Returns
ROE	+11.6%	+10.8%	+9.8%	+11.5%	+14.5%
ROA	+1.1%	+0.9%	+0.8%	+0.9%	+1.4%
ROIC	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	9.61x	10.57x	10.99x	12.28x	9.43x
Interest coverage	—	—	—	—	—
Efficiency
Asset turnover	0.04x	0.05x	0.05x	0.03x	0.02x
Cash conversion cycle	—	—	—	—	—

Valuation

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FY2025 fundamentals · no price

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U.S. Bancorp

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