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

Balance Sheet

Assets, liabilities, and equity

22 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	$46.9B -17.0%	$56.5B -7.7%	$61.2B 14.3%	$53.5B 85.2%	$28.9B
Other Current Assets	$70.9B 16.7%	$60.7B 5.2%	$57.7B 9.4%	$52.8B 38.2%	$38.2B
Property,Plant and Equipment	$0	$0	$0 -100.0%	$3.9B 16.7%	$3.3B
Goodwill	$12.6B 0.8%	$12.5B 0.4%	$12.5B 0.9%	$12.4B 20.6%	$10.3B
Intangible Assets	$4.9B -11.6%	$5.5B -8.8%	$6.1B -15.0%	$7.2B 91.4%	$3.7B
Other Noncurrent Assets	$70.9B 16.7%	$60.7B 5.2%	$57.7B 9.4%	$52.8B 38.2%	$38.2B
Total Assets	$692.3B 2.1%	$678.3B 2.2%	$663.5B -1.7%	$674.8B 17.7%	$573.3B
Liabilities
Current Portion of Long Term Debt	$17.2B 10.6%	$15.5B 1.6%	$15.3B -51.1%	$31.2B 164.6%	$11.8B
Other Current Liabilities	$26.6B -3.3%	$27.4B -4.2%	$28.6B 4.0%	$27.6B 54.0%	$17.9B
Total Current Liabilities	$626.7B 1.2%	$619.3B 1.9%	$607.7B -2.5%	$623.6B 20.4%	$517.9B
Deferred Tax Liabilities	$0 -100.0%	$4.1B -5.4%	$4.3B -15.2%	$5.1B 14.8%	$4.4B
Other Noncurrent Liabilities	$26.6B -3.3%	$27.4B -4.2%	$28.6B 4.0%	$27.6B 54.0%	$17.9B
Total Liabilities	$626.7B 1.2%	$619.3B 1.9%	$607.7B -2.5%	$623.6B 20.4%	$517.9B
Equity
Preferred Stock	$6.8B 0.0%	$6.8B 0.0%	$6.8B 0.0%	$6.8B 6.9%	$6.4B
Common Stock	$21.0M 0.0%	$21.0M 0.0%	$21.0M 0.0%	$21.0M 0.0%	$21.0M
Additional Paid In Capital	$239.0M -0.8%	$241.0M 7.1%	$225.0M 9.8%	$205.0M 4.1%	$197.0M
Retained Earnings	$80.9B 5.3%	$76.9B 3.8%	$74.0B 3.0%	$71.9B 3.9%	$69.2B
Treasury Stock	$24.3B 0.9%	$24.1B -0.3%	$24.1B -4.5%	$25.3B -7.3%	$27.3B
Accumulated Other Comprehensive Income	$-7.0B 28.4%	$-9.8B 3.3%	$-10.1B 11.5%	$-11.4B -487.1%	$-1.9B
Noncontrolling Interest	$458.0M -0.9%	$462.0M -0.6%	$465.0M -0.2%	$466.0M -0.6%	$469.0M
Total Stockholders Equity	$65.2B 11.3%	$58.6B 5.9%	$55.3B 8.9%	$50.8B -7.6%	$54.9B
Total Liabilitiesand Equity	$692.3B 2.1%	$678.3B 2.2%	$663.5B -1.7%	$674.8B 17.7%	$573.3B

Income Statement

Revenue, expense, and profitability

14 accounts · 5 years

Revenue $31.0B

Operating income $7.6B

Net income $7.6B

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Total Revenue	$31.0B -2.2%	$31.7B 5.5%	$30.0B 67.2%	$17.9B 33.1%	$13.5B
Expenses Selling,General and Administrative	$705.0M 13.9%	$619.0M -14.7%	$726.0M 59.2%	$456.0M 24.6%	$366.0M
Expenses Depreciation and Amortization	$498.0M -12.5%	$569.0M -10.5%	$636.0M 195.8%	$215.0M 35.2%	$159.0M
Expenses Share Based Compensation	$235.0M 1.3%	$232.0M 3.6%	$224.0M 10.9%	$202.0M -2.4%	$207.0M
Other Income Expense Operating Income	$7.6B 20.2%	$6.3B 16.0%	$5.4B -6.8%	$5.8B -26.8%	$8.0B
Other Income Expense Interest Income	$31.0B -2.2%	$31.7B 5.5%	$30.0B 67.2%	$17.9B 33.1%	$13.5B
Other Income Expense Income Before Tax	$9.5B 20.3%	$7.9B 15.2%	$6.9B -6.0%	$7.3B -28.2%	$10.2B
Income Tax Income Tax Expense	$1.9B 21.6%	$1.6B 12.3%	$1.4B -3.8%	$1.5B -32.9%	$2.2B
net Income net Income	$7.6B 20.2%	$6.3B 16.0%	$5.4B -6.8%	$5.8B -26.8%	$8.0B
net Income Comprehensive Income	$10.3B 56.0%	$6.6B -1.6%	$6.7B 285.2%	$-3.6B -163.9%	$5.7B
Earnings Per Share Basic Eps	$5 21.9%	$4 15.9%	$3 -11.4%	$4 -27.8%	$5
Earnings Per Share Diluted Eps	$5 21.9%	$4 15.9%	$3 -11.4%	$4 -27.6%	$5
Earnings Per Share Weighted Average Shares Basic	$1.6B -0.2%	$1.6B 1.1%	$1.5B 3.6%	$1.5B 0.0%	$1.5B
Earnings Per Share Weighted Average Shares Diluted	$1.6B -0.2%	$1.6B 1.2%	$1.5B 3.6%	$1.5B 0.0%	$1.5B

Cash Flow Statement

Operating, investing, and financing flows

22 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 Income	$7.6B 20.2%	$6.3B 16.0%	$5.4B -6.8%	$5.8B -26.8%	$8.0B
Operating Activities Depreciation and Amortization	$498.0M -12.5%	$569.0M -10.5%	$636.0M 195.8%	$215.0M 35.2%	$159.0M
Operating Activities Stock Based Compensation	$235.0M 1.3%	$232.0M 3.6%	$224.0M 10.9%	$202.0M -2.4%	$207.0M
Operating Activities Deferred Income Taxes	$308.0M 962.1%	$29.0M 105.7%	$-509.0M	—	—
Operating Activities Other Non Cash Items	$-2.3B -207.2%	$2.2B 1149.8%	$-205.0M -103.0%	$6.8B 179.7%	$2.4B
Operating Activities net Cash From Operating Activities	$8.0B -29.8%	$11.3B 35.2%	$8.4B -60.3%	$21.1B 114.0%	$9.9B
Investing Activities Business Acquisitions	$36.0M -65.0%	$103.0M -68.8%	$330.0M 102.7%	$-12.3B -1954.3%	$661.0M
Investing Activities Purchases of Investments	$15.9B -55.8%	$35.9B 330.2%	$8.3B -66.1%	$24.6B -75.2%	$99.0B
Investing Activities Proceeds From Sale of Investments	$7.0B 16.2%	$6.0B -4.9%	$6.3B -57.7%	$14.9B -63.8%	$41.2B
Investing Activities Other Investing Activities	$3.0B 61.4%	$1.8B 55.0%	$1.2B -78.0%	$5.4B 912.0%	$-664.0M
Investing Activities net Cash From Investing Activities	$-20.5B 16.3%	$-24.5B -229.6%	$18.9B 152.3%	$7.5B 113.0%	$-57.5B
Financing Activities Proceeds From Debt	$10.4B -13.8%	$12.0B -22.9%	$15.6B 78.5%	$8.7B 232.5%	$2.6B
Financing Activities Repayment of Debt	$9.1B 49.8%	$6.0B 47.9%	$4.1B -41.0%	$6.9B -39.4%	$11.4B
Financing Activities Repurchase of Common Stock	$489.0M 182.7%	$173.0M 179.0%	$62.0M -10.1%	$69.0M -95.6%	$1.6B
Financing Activities Dividends Paid	$3.2B 2.5%	$3.1B 4.1%	$3.0B 7.0%	$2.8B 7.6%	$2.6B
Financing Activities Proceeds From Stock Issuance	$45.0M 40.6%	$32.0M 113.3%	$15.0M -28.6%	$21.0M -51.2%	$43.0M
Financing Activities Other Financing Activities	$-86.0M -56.4%	$-55.0M	$0	$0	—
Financing Activities net Cash From Financing Activities	$2.2B -74.5%	$8.8B 144.1%	$-20.0B -402.2%	$-4.0B -128.6%	$13.9B
Cash Reconciliation Effect of Exchange Rate On Cash	$46.9B -17.0%	$56.5B -7.7%	$61.2B 14.3%	$53.5B 85.2%	$28.9B
Cash Reconciliation net Change In Cash	$-9.6B -104.9%	$-4.7B -161.3%	$7.7B -68.9%	$24.6B 173.2%	$-33.7B
Cash Reconciliation Cash At Beginning of Period	$46.9B -17.0%	$56.5B -7.7%	$61.2B 14.3%	$53.5B 85.2%	$28.9B
Cash Reconciliation Cash At End of Period	$46.9B -17.0%	$56.5B -7.7%	$61.2B 14.3%	$53.5B 85.2%	$28.9B

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	+24.4%	+19.9%	+18.1%	+32.5%	+59.0%
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	+17.0%	+28.6%	+46.0%	+6.8%	+8.9%
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	9.61x	10.57x	10.99x	12.28x	9.43x
Interest coverage	—	—	0.43x	1.81x	8.02x
Efficiency
Asset turnover	0.04x	0.05x	0.05x	0.03x	0.02x
Cash conversion cycle	—	—	—	—	—

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U.S. Bancorp

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