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USB
U.S. Bancorp
-12%
-1.3% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NYSE
Industry Banks - Regional
Sector Financial Services
Market Cap $76.02B
CEO Mr. Andrew J. Cecere

U.S. Bancorp, based in Minneapolis, is a company that provides a variety of banking and financial services to people and businesses across the United States. They offer services like checking and savings accounts, loans, and credit cards. Additionally, they help businesses manage their money, provide investment options, and offer insurance products. With thousands of bank branches and ATMs, they make it easy for customers to access their services both in person and online.

Streams of revenue

Consumer And Small Business Banking: 34%
Wealth Management And Investment Services: 33%
Payment Services: 31%
Treasury and Corporate Support: 3%

Geographic Distribution

Segment Two: 56%
Segment Four: 33%
Segment Three: 11%

Core Products

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Consumer Banking Personal accounts
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Payment Services Card processing
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Corporate Banking Business accounts
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Mortgage Services Home loans
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Wealth Management Investment services

Business Type

Hybrid Mixed Business Model

Competitive Advantages

Strong Brand Reputation With a history dating back to 1863, U.S. Bancorp has built a trusted brand, fostering customer confidence and long-term relationships.
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Strong Regional Presence U.S. Bancorp has a well-established network of 2,230 banking offices and 4,059 ATMs, primarily in the Midwest and West, enhancing customer accessibility and loyalty.
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Risk Management Expertise The company employs advanced risk management strategies across its diverse offerings, helping to maintain stability and protect against economic downturns.
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Robust Technology Infrastructure U.S. Bancorp invests in technology, providing efficient online and mobile banking services that enhance customer experience and operational efficiency.
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Diverse Financial Services Portfolio The company offers a wide range of financial products and services, catering to various customer needs, which helps in cross-selling and customer retention.

Key Business Risks

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Credit Risk The risk of borrower defaults affecting loan portfolios and overall profitability.
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Economic Downturn Recessions can reduce consumer spending and increase loan defaults.
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Cybersecurity Threats Increased cyberattacks can compromise customer data and lead to financial loss.
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Regulatory Compliance Changes in regulations or non-compliance can lead to fines and reputational damage.
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Interest Rate Fluctuations Variable interest rates can impact net interest margins and profitability.

Meeting Expectations

8 /10

Higher values indicate better execution and credibility

Recent Results

Beat earnings 2025-01-16
Beat earnings 2024-10-16
Beat earnings 2024-07-17
Beat earnings 2024-04-17
Missed earnings 2024-01-17
Beat earnings 2023-10-18
Missed earnings 2023-07-19
Beat earnings 2023-04-19
Beat earnings 2023-01-25
Beat earnings 2022-10-14

Takeaways

U.S. Bancorp exhibits strong financial health and a diverse range of products, allowing it to maintain a competitive position in the regional banking sector. Its established market presence and effective management provide a solid foundation for growth, although it faces risks from economic fluctuations and increasing competition.

Historical data shows an impressive CAGR compared with the USA stock market average, reflecting a strong market position.

Yearly Return 10Y annualized return is negative at -1.3% per year
Earnings Expectations USB has met or exceeded earnings expectations in the majority of recent quarters (8/10)

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