Fundamental analysis · SEC EDGAR · TTM through 31/03/2026
USB · NYSE · Financial
Fundamental quality
73
out of 100
US Bancorp De earns a fundamental-quality score of 73 out of 100, profiling it as a company of reasonable quality. Its score rests mainly on its profitability (net margin 26.9%). Its weakest area is its growth (revenue +5.6%/yr). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
U.S. Bancorp is one of the largest regional banks in the U.S., known for solid, efficient commercial banking and a strong payments business (card processing for merchants). It's a more traditional bank: it takes deposits and lends.
EPS growth: 8.8% · Revenue growth: 5.6%
Net margin: 26.9% · ROE: 11.9%
Capital strength: 9.4%
For banks and financials, net debt/EBITDA and free cash flow don't apply (debt is their business). We use capital strength: equity over total assets. The higher it is, the bigger the cushion against losses.
Source: SEC EDGAR · TTM through 31/03/2026
The score includes +3 for dividend strength: 15 consecutive years of increases. Keeping that streak demands growing cash generation and balance-sheet discipline.
The score combines growth, profitability and financial strength. Here its profitability weighs in its favor, while its growth drags it down the most.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Why isn't a bank measured like other companies? Read the how to analyze a bank guide.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2017 | 21,902 | 6,218 | — | — |
| 2018 | 22,637 | 7,096 | — | — |
| 2022 | 24,302 | 5,825 | — | 17,503 |
| 2023 | 28,144 | 5,429 | — | -45,913 |
| 2024 | 27,455 | 6,299 | — | -40,984 |
| 2025 | 28,656 | 7,570 | — | -29,728 |
Between 2017 and 2025, revenue went from $21,902M to $28,656M (+31%) and net income went from $6,218M to $7,570M (+22%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the quarter ended March 31, 2026, versus the quarter ended March 31, 2025 (SEC filings):
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$2.04
per share, yearly
41.8% of earnings
Payout
15 straight years raising it
Growth
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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Is US Bancorp De cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is US Bancorp De a good company to invest in?
In terms of business quality, US Bancorp De scores 73 out of 100 in our analysis, placing it as a company of reasonable quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is US Bancorp De a profitable company?
Very. US Bancorp De shows a net margin of 26.9% and an ROE of 11.9%, typical of a highly profitable business.
Is US Bancorp De growing?
Its revenue has grown 5.6% annualized in recent years and its earnings per share 8.8%.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see US Bancorp De's filings on EDGAR
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