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/company/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/company/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 2026-08-06, the biggest revenue drivers are: Net interest income ($4,361M, +7.7% YoY); Noninterest income ($3,325M, +13.7% YoY); Trust and investment management fees ($785M, +11.7% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/USB.

What are USB's largest expenses?

US BANCORP \DE\'s latest 10-Q reports these as the largest expense items: Compensation and employee benefits ($2,685M, +3.3% YoY); Technology and communications ($601M, +12.5% YoY); Provision for credit losses ($538M, +7.4% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 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

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →NYSElarge

Institutional-grade research for retail investors

SEC EDGAR: CIK 36104 USB stock profile & AI dashboard →

13F Pro Quality Score

65.3/100

Rank #486 of 2,961 stocksTOP 25%

View Financials peers →

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

Revenue Growth

36.0/100

Profitability

88.7/100

Balance Sheet

44.9/100

Earnings Quality

68.7/100

Free Cash Flow

92.0/100

Institutional Flow

61.5/100

Revenue Scale

95.0/100

Dilution Risk

62.7/100

Email me the moment this company reports earnings

AI Research Report

Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

Upgrade to Pro

Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

Why USB Scores 65/100

exact factor attribution · 2026-09-11

USB's composite is driven by scale and profitability, held back by revenue growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+9.0 pts

95th pct

Profitability

+7.7 pts

89th pct

Free cash flow

+6.3 pts

92th pct

Earnings quality

+1.9 pts

69th pct

Earnings growth

+1.4 pts

71th pct

Shareholder dilution

+0.8 pts

63th pct

Institutional flow

+0.8 pts

62th pct

Capital efficiency

-0.7 pts

45th pct

Revenue growth

-3.7 pts

36th pct

Latest change (2026-08-08): 71 → 66 · ↓ Revenue growth 57→40; ↓ Institutional flow 66→18

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

USB Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 65.3/100 on a 32-signal composite quality model, placing it at rank #486 of 2,961 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. US BANCORP \DE\'s 13F Pro composite quality score has ranged between 41 and 67 since 2024, currently 65.3 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

✦

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.

▶ Think you know your stocks? Play the Daily Ticker

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

✓ 31/31 datapoints verified

AI-extracted from US BANCORP \DE\'s 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.

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

Revenue

Q2 2026

$7.7B

Net Income

Q2 2026

$2.2B

ROIC

Q2 2026

10.4%

D/E Ratio

Q2 2026

0.55

Period

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 +7.0%	$22.72B -2.2%	$23.23B
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

Get alerted when USB's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

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.
$7.7B127,137,222 sh
VANGUARD CAPITAL MANAGEMENT LLC
$6.1B101,302,511 sh
STATE STREET CORP
$4.5B73,137,322 sh
JPMORGAN CHASE & CO
$3.7B59,686,029 sh
FMR LLC
$3.1B51,284,661 sh
MUFG Bank, Ltd.
$2.7B44,374,155 sh
GEODE CAPITAL MANAGEMENT, LLC
$2.4B39,253,077 sh
MORGAN STANLEY
$1.8B30,552,978 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.8B30,004,454 sh
PRICE T ROWE ASSOCIATES INC /MD/
$1.5B25,023,715 sh

Fund	Value	Shares
BlackRock, Inc.	$7.7B	127,137,222
VANGUARD CAPITAL MANAGEMENT LLC	$6.1B	101,302,511
STATE STREET CORP	$4.5B	73,137,322
JPMORGAN CHASE & CO	$3.7B	59,686,029
FMR LLC	$3.1B	51,284,661
MUFG Bank, Ltd.	$2.7B	44,374,155
GEODE CAPITAL MANAGEMENT, LLC	$2.4B	39,253,077
MORGAN STANLEY	$1.8B	30,552,978
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.8B	30,004,454
PRICE T ROWE ASSOCIATES INC /MD/	$1.5B	25,023,715

Companies Similar to USB

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

TFC

TRUIST FINANCIAL CORP

AI score

Very similar · 46 shared holders

Capital Research Global Investors HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC National Pension Service

AXP

AMERICAN EXPRESS CO

AI score

Very similar · 34 shared holders

First Eagle Investment Management, LLC Capital Research Global Investors National Pension Service

TRV

TRAVELERS COMPANIES, INC.

AI score

Very similar · 40 shared holders

National Pension Service NORDEA INVESTMENT MANAGEMENT AB Robeco Institutional Asset Management B.V.

AMP

AMERIPRISE FINANCIAL INC

AI score

Very similar · 36 shared holders

Aristotle Capital Management, LLC Robeco Institutional Asset Management B.V.CAISSE DE DEPOT ET PLACEMENT DU QUEBEC

SCHW

SCHWAB CHARLES CORP

AI score

Very similar · 29 shared holders

National Pension Service NORDEA INVESTMENT MANAGEMENT AB Capitolis Liquid Global Markets LLC

Chubb Ltd

AI score

Very similar · 31 shared holders

Capital Research Global Investors DAVIS SELECTED ADVISERS National Pension Service

CME

CME GROUP INC.

AI score

Very similar · 34 shared holders

Capital Research Global Investors National Pension Service Rathbones Group PLC

BAC

BANK OF AMERICA CORP /DE/

AI score

Very similar · 35 shared holders

HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC Capital Research Global Investors National Pension Service

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AAC

Ares Acquisition Corp III

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put USB on your watchlist

Track score changes the day US BANCORP \DE\ files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

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. USB is classified as a large company.

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.