Revenue segments as reported by the company.

Interest Income

Noninterest Income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Interest Expense

Provision for credit losses

Noninterest Expense

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

U.S. Bancorp

U.S. Bancorp operates as a bank holding company, which offers financial services including lending and depository services, cash management, foreign exchange and trust and investment management. The firm also offers mortgage, refinance, auto, boat and RV loans, credit lines, credit card services, merchant, bank, checking and savings accounts, debit cards, online and mobile banking, ATM processing, mortgage banking, insurance, brokerage and leasing services. The company was founded on April 2, 1929, and is headquartered in Minneapolis, MN.

Earnings data Q1 2021

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Earnings data Q1 2023

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Earnings data Q1 2024

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Earnings data Q4 2024

U.S. Bancorp posts strong Q4 results post-Union Bank acquisition

U.S. Bancorp's Q4 2022 performance reflects a solid financial position post-acquisition, with a focus on optimizing operations and capitalizing on growth opportunities.
While facing challenges related to acquisition costs and revenue stability, the bank's strengths in capital adequacy and risk management position it well for future growth.
Strategic initiatives around asset optimization, reserve adequacy, and revenue diversification present avenues for sustained profitability and value creation in the upcoming quarters.

U.S. Bancorp posts robust Q1 earnings, eyes optimization and growth

U.S. Bancorp's Q1 performance reflects strong earnings and key financial metrics improvement. The bank's focus on risk management, integration efforts, and revenue diversification positions it well. Challenges from regulatory changes and rate environment are being actively managed while seizing opportunities for optimization and growth.

U.S. Bancorp reports solid Q2 earnings, focuses on growth strategies

U.S. Bancorp delivered solid financial performance in Q2 2023, with a focus on profitability, capital strength, and customer-centric initiatives. The company faces challenges related to deposit dynamics, revenue streams, and market uncertainties but is actively pursuing opportunities for growth and resilience.
With a strong emphasis on credit quality, capital actions, and cost optimization, U.S. Bancorp is strategically positioned to navigate evolving market conditions and regulatory requirements. The company's commitment to enhancing digital offerings and customer experience underscores its long-term growth strategy.
Overall, U.S. Bancorp's Q2 earnings call highlights a balanced approach to financial management, with a clear focus on operational efficiency, risk management, and sustainable growth. The company's performance metrics, future guidance, and strategic initiatives signal a proactive stance towards driving shareholder value and financial stability.

U.S. Bancorp reports solid Q3 performance and eyes growth opportunities

U.S. Bancorp's Q3 performance showed growth in key areas despite challenges like declining net interest margin. The company's focus on client relationships and capital-efficient growth presents opportunities for future expansion.
While cautious about commercial real estate, U.S. Bancorp aims to optimize operations and navigate potential changes in liquidity ratios. Investments in capital markets and tech-led initiatives position the company for revenue synergies and client service enhancements.
Guidance for Q4 indicates a strategic approach to managing net interest income and total revenue, with a strong emphasis on realizing cost synergies from the Union Bank deal. The company's commitment to deepening client relationships and expanding services underscores its growth strategy.
Overall, U.S. Bancorp's performance, strengths, challenges, and opportunities align with its goal of efficient growth and client-focused initiatives, positioning the company for future success in a dynamic financial landscape.

U.S. Bancorp reports robust Q4 earnings, eyes growth opportunities ahead

U.S. Bancorp delivered strong financial results in Q4 2023, with a focus on credit quality and shareholder value. While facing challenges in loan and deposit metrics, the company is strategically positioned to capitalize on opportunities in ROTCE, deposit growth, and small business services. By leveraging its strengths in customer focus and market differentiation, U.S. Bancorp aims for sustained growth and profitability.

U.S. Bancorp (USB) reports strong Q1 earnings amidst NII challenges

U.S. Bancorp (USB) navigated Q1 2024 with solid earnings, focusing on managing near-term challenges while positioning for long-term growth. The company's emphasis on fee businesses and customer relationships bodes well for future performance. Despite facing NII pressures, expense reduction efforts and capital strength provide a foundation for resilience and growth.

U.S. Bancorp excels in Q2 earnings, eyes revenue diversification

U.S. Bancorp delivered a strong performance in Q2 2024, with notable improvements in key financial metrics and revenue streams.
While facing challenges in credit quality and revenue growth, the bank remains focused on prudent expense management and revenue diversification.
Opportunities lie in sustained income growth, stable interest income, and strategic initiatives for long-term value creation and operational efficiency.
Analysts and executives discussed factors impacting the bank's performance, highlighting a balanced approach to managing challenges and seizing growth opportunities.

U.S. Bancorp (USB) excels in Q3 2024, banking on digital growth

U.S. Bancorp (USB) delivered a robust performance in Q3 2024, showcasing stability, growth, and a strategic focus on digital innovation and partnerships.
While facing challenges in a competitive landscape, USB's strengths in expense management, digital capabilities, and partnerships position it well for future growth.
Opportunities lie in leveraging digital solutions, expanding partnerships, and executing on its strategic path for payments to drive revenue diversification and market expansion.

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Cost of revenue

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Operating income

EBITDA

Net income

Earnings per share

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Current assets

Cash & equivalents

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Inventory

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Net PPE

Intangibles

Total liabilities

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Minority interest

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Book value per share

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Cash from investing

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Purchase/sale of investments

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Change in stock

Change in debt

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Cash from other sources

Net change in cash

Free cash flow

Axsome Therapeutics

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Axsome Therapeutics has major catalysts on the way. U.S. Bancorp remains a bargain, even after its strong rebound.

3 Explosive Stocks to Buy Right Now

KeyCorp

Newell Brands

Zions Bancorp

Smaller banking stocks did unusually well last month. A sweeping downgrade of these companies' credit ratings, however, raises near-term performance concerns.

Can You Still Buy the S&P 500's Best-Performing July Stocks?

Fifth Third Bancorp

The Moody's downgrade of 10 banks this week and warnings that more could be coming reignited concerns over U.S. regional banks.

These charts show what has Moody's worried about regional banks including U.S. Bank and Fifth Third

Bank of New York Mellon

Citizens Financial Group

Capital One

Northern Trust

State Street

Moody's slashed the credit ratings on 10 US banks on Monday.  It also put major lenders like Bank of New York Mellon and US Bancorp under review for potential downgrades.

Fed policy is weighing on US banks. Here's everything to know about the Moody's downgrades.

Associated Banc-Corp

BOK Financial

Commerce Bancshares

Cullen/Frost Bankers

Fulton Financial

M&T Bank

Old National Bancorp

Prosperity Bancshares

Pinnacle Financial Partners

Truist Financial

Weibo

U.S. bank shares slid on Tuesday after Moody's downgraded several small to mid-sized banks and said it may revise the credit ratings of some of the nation's biggest lenders, sparking concerns about the health of the lenders.

Quotes - U.S. bank stocks slide after Moody's ratings downgrade

Bank stocks as a group were dramatically underperforming the overall stock market on Tuesday. Ratings agency Moody's downgraded or changed its outlook on several banks, and placed others under review for possible downgrades.

Here's Why U.S. Bancorp, KeyCorp, and Truist Financial Are Falling on Tuesday

Bank of America

Goldman Sachs

SPDR S&P Bank ETF

Invesco KBW Bank ETF

Invesco KBW Regional Banking ETF

SPDR S&P Regional Banking ETF

U.S.-listed exchange-traded funds that buy bank stocks fell on Tuesday, after Moody's Investors Service late said it put a handful of major U.S. banks on review for a possible downgrade and lowered debt ratings on several small and midsize banks.

Bank ETFs head for worst day in 3 months after credit downgrades, warnings rattle sector

Webster Financial

Moody's Investors Service lowered the ratings for 10 banks, including US Bancorp, Bank of New York Mellon, State Street, and Truist Financial.

Moody's cuts credit ratings for banks amid commercial real estate pressures

Ratings agency Moody's said the U.S. banking sector is still strong even after it downgraded several small to mid-sized lenders and warned it might cut the ratings of several major banks.

Moody's says US banks are still strong despite downgrades

Moody's lowered its credit ratings on a bunch of U.S. based small and mid-sized banks on Tuesday and placed some of their bigger peers on negative review as well. U.S.

Moody's lowers its credit ratings on U.S. banks

Ratings agency Moody's cut the credit ratings of several small and midsized banks late Monday and warned other big lenders, citing profitability challenges and funding risks.

Moody's Downgrades Credit Ratings For 10 Banks, Puts Six Others On Notice

Morgan Stanley

Wells Fargo

US banking shares prices tumbled on Tuesday as credit ratings agency Moody's cut the credit ratings of a number of small and mid-sized lenders and placed several big Wall Street names on negative review.  The credit ratings agency downgraded the ratings of 10 banks by one rung, while major lenders Bank of New York Mellon, US Bancorp, State Street, Truist Financial, Cullen/Frost Bankers and Northern Trust are now under review for a potential downgrade.

US banks head south rattled by Moody's downgrades

M&T, U.S. Bancorp, Truist and others are down sharply as concerns about the health of the sector were renewed.

Bank Stocks Slide After Moody's Downgrade

Moody's downgraded several small and mid-sized banks and put six major Wall Street lenders on negative watch amid concerns over higher interest rates.

Moody's downgrades US banks, warns of possible cuts to major lenders

Bank stocks fell after Moody's downgraded credit ratings for several regional lenders, and marked large banks for review as profit issues arise.

Moody's Raises Profit Questions On U.S. Regional Banks

Bank stocks are under fire today, after Moody's downgraded 10 regional lenders.

Moody's Credit Downgrade Dings 2 Bank Stocks

Banks including M&T Bank (MTB), Associated Banc-Corp (ASB), U.S. Bancorp (USB), Truist (TFC) and Capital One (COF) are among the names on Moody???s list for ratings cut, lower outlook and potential downgrades.

U.S. Banks' Ratings Cut by Moody's on Funding Costs, CRE Lending

PNC Financial Services

Shares of the 15 largest American banks each fell 2% or more after Moody's issued a chilly update on the closely-watched sector.

Banks' Near $50 Billion Stock Losses Set Up Market For Among Worst Days Of 2023

Ally Financial

Regions Financial

Simmons First National Corporation

Ratings agency Moody's on Monday downgraded several mid-sized U.S. banks, warning that the credit strength of lenders will likely be tested by funding risks and weaker profits.

Factbox: Major US banks downgraded by Moody's on worsening outlook

Moody's on Monday cut the credit ratings of a host of small and mid-sized U.S. banks and placed several Wall Street big names on negative review.

Moody's cuts ratings of 10 U.S. banks and puts some big names on downgrade watch

Moody's Investors Services may downgrade its credit ratings on six major U.S. banks, including U.S. Bancorp, State Street Corp., and Bank of New York Mellon Corp., and has downgraded its debt ratings on several small and mid-sized banks as part of the credit ratings agency's rash of rating actions on U.S. banks late Monday.

Moody's places credit ratings of 6 major U.S. banks on review for downgrade

Ratings agency Moody's downgraded the credit ratings of several U.S. banks on Monday and warned it was reviewing the status of some of the nation's biggest lenders.

Moody's downgrades 10 US banks, warns of possible cuts to others

Citigroup

Comerica

First Horizon National

Huntington Bancshares

JPMorgan Chase & Co

New York Community Bancorp

Western Alliance Bancorporation

Bank fundamentals were challenged but results were better than worst-case fears as higher interest rates boosted bank loan yields, Jefferies analyst Ken Usdin said Thursday in the firm's summary of second-quarter profits for the 36 large and mid-sized banks in its coverage universe.

JPMorgan, Goldman and Morgan Stanley win praise in Jefferies Q2 bank earnings wrap

U.S. Bancorp's (USB) initiative to further bolster its strategic alliance with Mitsubishi UFJ (MUFG) will boost capital and unlock growth opportunities.

U.S. Bancorp (USB) Strengthens Strategic Ties With MUFG

Mitsubishi UFJ Financial

Mitsubishi UFJ Financial Group (MUFG) said on Thursday it would invest $936 million in U.S. Bancorp - a move that will help the U.S. regional bank pay back some of the debt it owes the Japanese lender.

News for U.S. Bancorp Stock (USB)