Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
USB
HOLDREMOVEU.S. Bancorp · Financial Services · United States · $91.8B · Avg Vol: $535M/d
U.S. Bancorp is a high-quality regional bank, but it lacks the explosive asymmetric upside or thematic velocity required for our concentrated book. It is a mature business highly tied to the US macroeconomic cycle.
COMPANY DESCRIPTION
U.S. Bancorp is a diversified financial services holding company, operating as the parent company of U.S. Bank, the fifth-largest commercial bank in the United States. Its competitive moat is built on its strong regional presence, diversified revenue streams from a broad range of banking products and services, and disciplined risk management, making it a leading provider of financial solutions to consumers, businesses, and institutions.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | 24.2B | 28.0B | 27.3B | 28.5B | 5.7% |
| EPS | 3.69 | 3.27 | 3.79 | 4.62 | 7.8% |
| Shares | 2.1B | 2.1B | 2.1B | 2.1B | 0.0% |
| Debt | 69.4B | 62.9B | 65.6B | 68.4B | -0.5% |
| Equity | 50.8B | 55.3B | 58.6B | 65.2B | 8.7% |
| Op CF | 21.1B | 8.4B | 11.3B | 8.0B | -27.7% |
| Inv CF | 7.5B | 18.9B | -24.5B | -20.5B | — |
| Fin CF | -4.0B | -20.0B | 8.8B | 2.3B | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of USB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| USB | U.S. Bancorp(you) | $91.8B | 54 | HOLD |
| PNC | The PNC Financial Services Group, Inc. | $94.3B | 53 | HOLD |
| LLOY.L | Lloyds Banking Group plc | $84.1B | 51 | HOLD |
| 2388.HK | BOC Hong Kong (Holdings) Limited | $64.2B | 53 | HOLD |
| IBN | ICICI Bank Limited | $102.2B | 48 | HOLD |
| KBC.BR | KBC Group NV | $55.1B | 54 | HOLD |
| CABK.MC | CaixaBank, S.A. | $101.3B | 63 | HOLD |
| SGE.DE | Société Générale Société anonyme | $65.9B | 60 | HOLD |
| EBO.DE | Erste Group Bank AG | $51.6B | 55 | HOLD |
| NWG.L | NatWest Group plc | $70.1B | 47 | HOLD |
Peer medians: ROE 10.1% · P/E 12.7x · Gross margin 19.2%