What is the 13F Pro Quality Score for USB?

13F Pro ranks US BANCORP DE (USB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View USB's current score at https://13fpro.ai/research/USB (free sign-up required for the full ranking).

Which hedge funds own the most USB stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of USB include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/USB as soon as new 13F filings post.

Where does 13F Pro source USB data?

All US BANCORP DE fundamentals and ownership data come directly from SEC EDGAR. US BANCORP DE files with the SEC under CIK 36104. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is USB in?

US BANCORP DE (USB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives USB's revenue?

Per US BANCORP DE's latest 10-Q filed with the SEC on 2026-05-04, the biggest revenue drivers are: Net Interest Income ($4.3B, +4.2% YoY); Noninterest Income ($3.0B, +5.7% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/USB.

What are USB's largest expenses?

US BANCORP DE's latest 10-Q reports these as the largest expense items: Noninterest Expense ($4.3B, +0.8% YoY); Provision for Credit Losses ($576M, +7.3% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is USB research updated on 13F Pro?

USB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

US BANCORP DE(USB)Stock Analysis

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13F Pro Quality Score

71.4/100

Rank #263 of 2,879 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

57.1/100

Profitability

87.9/100

Balance Sheet

44.5/100

Earnings Quality

58.8/100

Free Cash Flow

80.7/100

Institutional Flow

65.5/100

Revenue Scale

95.2/100

Dilution Risk

62.4/100

USB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for US BANCORP DE (USB), a Financials sector company. 13F Pro's AI-powered ranking engine scores USB at 71.4/100 on a 32-signal composite quality model, placing it at rank #263 of 2,879 stocks — the top 10% of the AI-ranked universe. USB scores in the top quartile across revenue scale (95.2), profitability (87.9), free cash flow (80.7). Based on the latest XBRL financial filings (Q1 2026), US BANCORP DE reports quarterly revenue of $7.3B, net income of $1.9B, free cash flow of $1.3B. Top institutional holders of USB by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET, based on the most recent SEC filings. USB trades on the NYSE exchange and files with the SEC under CIK 36104. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate USB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for US BANCORP DE directly from SEC EDGAR. US BANCORP DE's 13F Pro composite quality score has ranged between 41 and 72 since 2024, currently 71.4 — an improving long-term trajectory across 16 quarterly and live scoring snapshots.

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Fun facts about US BANCORP DE

Quirks, history, and lore behind USB — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. financial services company · large-cap · listed on NYSE · headquartered in Minneapolis, Minnesota.
2
The Numbers
Consistently one of the most profitable big banks in America, with assets of roughly $680 billion and a return on equity that makes Wall Street blush.
3
The History
Its roots trace back to 1863, when a small Midwestern bank opened during the Civil War; decades of mergers eventually created one of the five largest U.S. banks by assets.
4
The Secret
Unlike flashier rivals, this bank is famous for being boring on purpose — Warren Buffett's Berkshire Hathaway has long held it as a model of steady, unglamorous banking.
5
The Lore
It operates more than 2,200 branches across the country and is the nation's largest provider of corporate trust services — handling bonds you've never heard of but definitely depend on.
6
The Giveaway
Its two-letter ticker is basically shouting its name at you, and its "U.S. Bank" branded branches anchor strip malls from Minnesota to California — the quiet giant hiding in plain sight.

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What's Driving USB's Business? Latest 10-Q Breakdown

✓ 6/6 datapoints verified

AI-extracted from US BANCORP DE's 10-Q filed 2026-05-04 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $1.9B (+13.8% YoY) driven by 4.2% rise in net interest income to $4.3B and 5.7% growth in noninterest income to $3.0B.

Biggest Revenue Drivers

Total revenue: $7.3B+4.7% YoY

Net Interest Income$4.3B+4.2% YoY

Primarily due to loan growth, improved earning asset mix, and fixed asset repricing.

Noninterest Income$3.0B+5.7% YoY

Higher capital markets revenue, trust and investment management fees, lending and deposit-related fees, merchant processing services and card revenue.

Largest Expense Items

Noninterest Expense$4.3B+0.8% YoY

Higher technology/communications and marketing expenses, partially offset by lower compensation and other intangibles.

Provision for Credit Losses$576M+7.3% YoY

Primarily due to loan growth.

Margins: Net interest margin improved to 2.77% from 2.72% YoY, primarily due to benefits from fixed asset repricing. The efficiency ratio improved to 58.2% from 60.8% YoY, reflecting operating leverage from revenue growth.

Watch Items from the Filing

Nonperforming assets decreased 3.9% to $1.5B; nonperforming loans to total loans ratio improved to 0.37% from 0.40%, indicating stable credit quality.
Pending BTIG acquisition for up to $1B ($725M at closing plus $275M contingent over 3 years) expected to close Q2 2026, subject to regulatory approval.
Net unrealized losses on available-for-sale securities increased to $4.7B ($3.5B net-of-tax) from $4.4B, driven by interest rate changes affecting mortgage-backed and municipal securities.
All regulatory capital ratios exceeded well-capitalized requirements; common equity tier 1 ratio stable at 10.8%; company returned $1.1B to shareholders via dividends and repurchases in Q1.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$7.3B

Net Income

Q1 2026

$1.9B

Free Cash Flow

Q1 2026

$1.3B

ROIC

Q1 2026

3.7%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+4.4% YoY

$28.66BFY 2025

FY22 $24.30BFY23 $28.14BFY24 $27.45BFY25 $28.66B

Net Income

+20.2% YoY

$7.57BFY 2025

FY22 $5.83BFY23 $5.43BFY24 $6.30BFY25 $7.57B

EPS (Diluted)

+21.9% YoY

$4.62FY 2025

FY22 $3.69FY23 $3.27FY24 $3.79FY25 $4.62

Total Assets

+2.1% YoY

$692.35BFY 2025

FY22 $674.80BFY23 $663.49BFY24 $678.32BFY25 $692.35B

Total Debt

+10.6% YoY

$17.16BFY 2025

FY22 $71.05BFY23 $15.28BFY24 $15.52BFY25 $17.16B

Op. Cash Flow

-29.8% YoY

$7.97BFY 2025

FY22 $21.12BFY23 $8.39BFY24 $11.35BFY25 $7.97B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$28.66B +4.4%	$27.45B -2.4%	$28.14B +15.8%	$24.30B	—	—
Net Income	$7.57B +20.2%	$6.30B +16.0%	$5.43B -6.8%	$5.83B -26.8%	$7.96B +60.6%	$4.96B
EPS (Diluted)	$4.62 +21.9%	$3.79 +15.9%	$3.27 -11.4%	$3.69 -27.6%	$5.10 +66.7%	$3.06
Total Assets	$692.35B +2.1%	$678.32B +2.2%	$663.49B -1.7%	$674.80B +17.7%	$573.28B +3.5%	$553.90B
Total Debt	$17.16B +10.6%	$15.52B +1.6%	$15.28B -78.5%	$71.05B +61.8%	$43.92B -17.2%	$53.06B
Operating Cash Flow	$7.97B -29.8%	$11.35B +35.2%	$8.39B -60.3%	$21.12B +114.0%	$9.87B +165.6%	$3.72B

AI Insight: USB Financial Trends

USB delivered strong earnings growth with net income rising 21% from Q1 2025 to Q1 2026, though operating cash flow remains volatile.

• Revenue grew 4.6% from $6,958M in Q1 2025 to $7,288M in Q1 2026.

• Net income surged 13.8% from $1,709M in Q1 2025 to $1,945M in Q1 2026.

• Equity strengthened from $60,096M in Q1 2025 to $65,786M in Q1 2026.

⚠ Operating cash flow turned negative at $-285M in Q1 2025 and remained volatile at $1,340M in Q1 2026.

⚠ Net income declined sequentially from $2,045M in Q4 2025 to $1,945M in Q1 2026.

AI Insight: USB Ratio Trends

USB delivered strong margin expansion with operating margin rising from 29.9% in Q2 2024 to 34.4% in Q4 2025, though metrics moderated in Q1 2026.

• Operating margin expanded 460bp from 29.9% in Q2 2024 to 34.4% in Q4 2025.

• Net profit margin increased 450bp from 23.3% in Q2 2024 to 27.8% in Q4 2025.

• ROE improved from 11.4% in Q2 2024 to 12.6% in Q4 2025.

• Debt-to-equity ratio decreased from 0.29 in Q2 2024 to 0.24 in Q3 2025.

⚠ Operating margin declined 120bp from Q4 2025 peak of 34.4% to 33.2% in Q1 2026.

⚠ ROE dropped 80bp from Q4 2025 peak of 12.6% to 11.8% in Q1 2026.

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Available Research

13F Pro tracks comprehensive data for US BANCORP DE including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of USB

BlackRock, Inc.
$6.7B128,368,759 sh
VANGUARD CAPITAL MANAGEMENT LLC
$5.2B100,884,405 sh
STATE STREET CORP
$3.6B69,408,539 sh
FMR LLC
$3.0B57,171,830 sh
MUFG Bank, Ltd.
$2.3B44,374,155 sh
GEODE CAPITAL MANAGEMENT, LLC
$2.0B38,439,644 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.5B29,598,590 sh
MORGAN STANLEY
$1.5B29,304,473 sh
DAVIS SELECTED ADVISERS
$1.2B22,237,960 sh
Grantham, Mayo, Van Otterloo & Co. LLC
$994.1M19,113,643 sh

Fund	Value	Shares
BlackRock, Inc.	$6.7B	128,368,759
VANGUARD CAPITAL MANAGEMENT LLC	$5.2B	100,884,405
STATE STREET CORP	$3.6B	69,408,539
FMR LLC	$3.0B	57,171,830
MUFG Bank, Ltd.	$2.3B	44,374,155
GEODE CAPITAL MANAGEMENT, LLC	$2.0B	38,439,644
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.5B	29,598,590
MORGAN STANLEY	$1.5B	29,304,473
DAVIS SELECTED ADVISERS	$1.2B	22,237,960
Grantham, Mayo, Van Otterloo & Co. LLC	$994.1M	19,113,643

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Is USB a good stock to buy?

13F Pro's AI-powered analysis of US BANCORP DE (USB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for USB are available on the USB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own USB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling USB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of US BANCORP DE's investment landscape.