US BANCORP \DE\(USB)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
US BANCORP \DE\ (USB) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores USB at 65.3/100 on a 32-signal composite quality model, placing it at rank #486 of 2,960 stocks — the top 25% of the AI-ranked universe. USB scores in the top quartile across revenue scale (95.0), free cash flow (92.0), profitability (88.7). Areas of concern include revenue growth (36.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), US BANCORP \DE\ reports quarterly revenue of $7.7B, net income of $2.2B. 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.
AI Quality Score
65.3/100
AI Rank
#486
Revenue
$7.7B
Net Income
$2.2B
USB key financials by period
US BANCORP \DE\ reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$28.7B
$7.6B
33.2%
FY 2024
10-K
$27.5B
$6.3B
28.8%
FY 2023
10-K
$28.1B
$5.4B
24.4%
FY 2022
10-K
$24.3B
$5.8B
30.0%
FY 2021
10-K
$22.7B
$8.0B
44.7%
FY 2020
10-K
$23.2B
$5.0B
26.1%
Institutions holding USB
Institutional investors reporting a position in US BANCORP \DE\ on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-06 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Total net revenue rose 10.1% to $7.7B and diluted EPS 21.6% to $1.35, as net interest margin expanded to 2.79% and BTIG lifted capital markets revenue 62.5%.
Biggest Revenue Drivers
Net interest income$4,361M+7.7% YoY
Primarily due to loan growth, improved earning asset mix, and benefits from fixed asset repricing
Noninterest income$3,325M+13.7% YoY
Higher fee revenue across all categories and the contribution from the BTIG acquisition
Biggest Revenue Drivers
Total revenue: $7,712M+10.1% YoY
Net interest income$4,361M+7.7% YoY
Primarily due to loan growth, improved earning asset mix, and benefits from fixed asset repricing
Noninterest income$3,325M+13.7% YoY
Higher fee revenue across all categories and the contribution from the BTIG acquisition
Within Noninterest income
Trust and investment management fees$785M+11.7% YoY
Increased primarily due to business growth and favorable market conditions
Capital markets revenue$512M+62.5% YoY
Contribution from BTIG, higher client-related derivative activity, corporate bond underwriting fees and favorable market conditions
Largest Expense Items
Compensation and employee benefits$2,685M+3.3% YoY
Merit increases, incentive compensation and higher stock-based compensation expense
Technology and communications$601M+12.5% YoY
Increased primarily due to investments in product and technology development
Provision for credit losses$538M+7.4% YoY
Increase primarily due to loan growth
Marketing and business development$216M+34.2% YoY
Higher primarily due to increased initiatives
Margins: Net interest margin (taxable-equivalent) rose to 2.79% from 2.66%, driven by loan growth, improved earning asset mix and fixed asset repricing. Efficiency ratio improved to 57.1% from 59.2%.
Watch Items from the Filing
Held-to-maturity securities carry $9,505M of gross unrealized losses: $74,085M amortized cost versus $64,622M fair value at June 30, 2026.
Allowance for credit losses fell to 1.94% of period-end loans from 2.03%, while loans grew $19.0 billion (4.8%) to $410.3 billion.
Commercial real estate nonperforming loans rose to $568M from $518M; CRE 90-days-plus and nonperforming ratio held at 1.09% of the class.
BTIG acquisition closed June 1, 2026 for ~$395M cash plus 6.6 million shares, with up to $275M more contingent consideration over three years.
Short-term borrowings jumped $20.2 billion to $37.3 billion, primarily higher short-term FHLB balances, while long-term debt fell to $58.7 billion.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
