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 revenue.

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	151.4%	178.4%	203.9%	298.4%	214.3%
Investment Securities	539.3%	519.9%	512.4%	900.8%	1296.2%
Loans net	1239.0%	1175.5%	1221.2%	2124.7%	2271.1%
Goodwill	40.8%	39.6%	41.6%	68.9%	76.1%
Other Assets	265.0%	228.7%	232.0%	367.6%	368.4%
Total Assets	2235.5%	2142.1%	2211.1%	3760.4%	4250.6%
Liabilities
Deposits	1686.2%	1636.8%	1707.3%	2925.5%	3381.6%
Short Term Borrowings	55.4%	49.0%	50.9%	174.0%	87.5%
Long Term Debt	196.2%	183.2%	171.6%	222.0%	238.2%
Other Liabilities	85.7%	86.7%	95.5%	153.5%	132.7%
Total Liabilities	2023.6%	1955.7%	2025.3%	3474.9%	3840.0%
Equity
Total Stockholders Equity	210.5%	185.0%	184.3%	282.9%	407.2%
Common Stock	0.1%	0.1%	0.1%	0.1%	0.2%
Retained Earnings	261.2%	242.7%	246.7%	400.7%	513.1%
Accumulated Other Comprehensive Income	-22.6%	-30.8%	-33.6%	-63.6%	-14.4%
Preferred Stock	22.0%	21.5%	22.7%	37.9%	47.2%
Additional Paid In Capital	28.2%	27.5%	28.9%	48.5%	63.3%
Treasury Stock	78.4%	76.0%	80.4%	140.8%	202.2%
Noncontrolling Interest	1.5%	1.5%	1.5%	2.6%	3.5%
Total Liabilitiesand Equity	2235.5%	2142.1%	2211.1%	3760.4%	4250.6%

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	100.0%	100.0%	100.0%	100.0%	100.0%
Interest Expense Interest Expense	46.2%	48.6%	42.0%	17.9%	7.4%
net Interest Income net Interest Income	53.8%	51.4%	58.0%	82.1%	92.6%
Expenses Provision For Credit Losses	7.1%	7.1%	7.6%	11.0%	-8.7%
Noninterest Income Total Noninterest Income	38.4%	34.9%	35.4%	52.7%	75.8%
Expenses Noninterest Expense	54.4%	54.3%	62.9%	83.1%	101.8%
Income Tax Income Tax Expense	6.2%	5.0%	4.7%	8.2%	16.2%
net Income Other Items Below Tax	-0.1%	-0.1%	-0.1%	-0.1%	-0.2%
net Income net Income	24.4%	19.9%	18.1%	32.5%	59.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Diluted	5.0%	4.9%	5.1%	8.3%	11.0%

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	25.7%	35.8%	28.0%	117.7%	73.2%
Operating Activities net Income	24.4%	19.9%	18.1%	32.5%	59.0%
Operating Activities Depreciation and Amortization	2.8%	3.0%	3.4%	3.1%	3.7%
Operating Activities Other Non Cash Items	-1.5%	13.0%	6.5%	82.1%	10.5%
Investing Activities net Cash From Investing Activities	-66.3%	-77.5%	63.1%	41.8%	-426.2%
Investing Activities Other Investing Activities	-66.3%	-77.5%	63.1%	41.8%	-426.2%
Financing Activities net Cash From Financing Activities	7.3%	27.9%	-66.6%	-22.2%	103.4%
Financing Activities Dividends Paid	-11.3%	-10.9%	-11.0%	-17.1%	-21.4%
Financing Activities Repurchase of Common Stock	-1.6%	-0.5%	-0.2%	-0.4%	-11.5%
Financing Activities Other Financing Activities	20.2%	39.3%	-55.4%	-4.7%	136.3%
Cash Reconciliation Effect of Exchange Rate On Cash	2.3%	-1.0%	1.1%	—	—
Cash Reconciliation net Change In Cash	-31.0%	-14.8%	25.5%	137.3%	-249.7%

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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