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 revenue.

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	151.4%	178.4%	203.9%
Other Current Assets	228.8%	191.8%	192.3%
Property,Plant and Equipment	0.0%	0.0%	0.0%
Goodwill	40.8%	39.6%	41.6%
Intangible Assets	15.8%	17.5%	20.3%
Other Noncurrent Assets	228.8%	191.8%	192.3%
Total Assets	2235.5%	2142.1%	2211.1%
Liabilities
Current Portion of Long Term Debt	55.4%	49.0%	50.9%
Other Current Liabilities	85.7%	86.7%	95.5%
Total Current Liabilities	2023.6%	1955.7%	2025.3%
Deferred Tax Liabilities	0.0%	12.8%	14.3%
Other Noncurrent Liabilities	85.7%	86.7%	95.5%
Total Liabilities	2023.6%	1955.7%	2025.3%
Equity
Preferred Stock	22.0%	21.5%	22.7%
Common Stock	0.1%	0.1%	0.1%
Additional Paid In Capital	0.8%	0.8%	0.7%
Retained Earnings	261.2%	242.7%	246.7%
Treasury Stock	78.4%	76.0%	80.4%
Accumulated Other Comprehensive Income	-22.6%	-30.8%	-33.6%
Noncontrolling Interest	1.5%	1.5%	1.5%
Total Stockholders Equity	210.5%	185.0%	184.3%
Total Liabilitiesand Equity	2235.5%	2142.1%	2211.1%

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	100.0%	100.0%	100.0%
Expenses Selling,General and Administrative	2.3%	2.0%	2.4%
Expenses Depreciation and Amortization	1.6%	1.8%	2.1%
Expenses Share Based Compensation	0.8%	0.7%	0.7%
Other Income Expense Operating Income	24.4%	19.9%	18.1%
Other Income Expense Interest Income	100.0%	100.0%	100.0%
Other Income Expense Income Before Tax	30.7%	25.0%	22.9%
Income Tax Income Tax Expense	6.2%	5.0%	4.7%
net Income net Income	24.4%	19.9%	18.1%
net Income Comprehensive Income	33.4%	20.9%	22.5%
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	5.0%	4.9%	5.1%
Earnings Per Share Weighted Average Shares Diluted	5.0%	4.9%	5.1%

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	24.4%	19.9%	18.1%
Operating Activities Depreciation and Amortization	1.6%	1.8%	2.1%
Operating Activities Stock Based Compensation	0.8%	0.7%	0.7%
Operating Activities Deferred Income Taxes	1.0%	0.1%	-1.7%
Operating Activities Other Non Cash Items	-7.5%	6.8%	-0.7%
Operating Activities net Cash From Operating Activities	25.7%	35.8%	28.0%
Investing Activities Business Acquisitions	0.1%	0.3%	1.1%
Investing Activities Purchases of Investments	51.2%	113.3%	27.8%
Investing Activities Proceeds From Sale of Investments	22.5%	19.0%	21.0%
Investing Activities Other Investing Activities	9.6%	5.8%	3.9%
Investing Activities net Cash From Investing Activities	-66.3%	-77.5%	63.1%
Financing Activities Proceeds From Debt	33.5%	37.9%	51.9%
Financing Activities Repayment of Debt	29.2%	19.1%	13.6%
Financing Activities Repurchase of Common Stock	1.6%	0.5%	0.2%
Financing Activities Dividends Paid	10.2%	9.8%	9.9%
Financing Activities Proceeds From Stock Issuance	0.1%	0.1%	0.0%
Financing Activities Other Financing Activities	-0.3%	-0.2%	0.0%
Financing Activities net Cash From Financing Activities	7.3%	27.9%	-66.6%
Cash Reconciliation Effect of Exchange Rate On Cash	151.4%	178.4%	203.9%
Cash Reconciliation net Change In Cash	-31.0%	-14.8%	25.5%
Cash Reconciliation Cash At Beginning of Period	151.4%	178.4%	203.9%
Cash Reconciliation Cash At End of Period	151.4%	178.4%	203.9%

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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