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MINNEAPOLIS--(BUSINESS WIRE)--U.S. Bank today announced the launch of its Private Waterfall Engine, an automated fund waterfall administration platform designed to support private markets funds. The technology supports multiple waterfall methodologies and automates carried interest, performance fee, and distribution calculations. It imports data from upstream systems, performs controlled calculations and delivers reports and journal entries through a standardized workflow.“Demand for private fun.

Key Takeaways U.S. Bancorp added more than 50 business banking roles, bringing its banker count above 1,300.Expansion into Florida and Georgia and deeper coverage in Texas and Arizona could boost client growth.SBA lending and healthcare banking initiatives broaden USB's offerings and support potential client growth. U.S. Bancorp (USB - Free Report) is expanding its business banking presence across the United States, adding bankers in Florida, Georgia, Texas and Arizona. The move marks its entry into business banking in Florida and Georgia while deepening its presence in Texas and Arizona. The expansion extends USB’s reach beyond its traditional 26-state branch footprint and strengthens its presence in key markets.

The expansion is supported by a growing business banking workforce. USB primarily targets business banking clients with annual sales between $2.5 million and $50 million. Since the beginning of 2026, the bank has added more than 50 customer-facing positions to its business banking division, bringing its total business banker count to more than 1,300. The expanded team will offer deposit, lending, payments and treasury management solutions, giving USB greater capacity to serve its target market.

Along with expanding its frontline workforce, USB is strengthening capabilities tailored to specialized business needs. The bank has added business development officers focused on Small Business Administration (SBA) loans and continues to strengthen its healthcare business banking capabilities.

The geographic rollout builds directly on USB’s previous investments in high-growth economic hubs. In Texas, the bank is expanding its Dallas business banking presence, first established in 2022, while building on its 2025 expansion into Houston. At the same time, it is strengthening its advisory team in Phoenix to complement its expanding regional branch network. In Florida and Georgia, USB is leveraging its existing wealth management, mortgage, commercial and corporate banking offices to accelerate new business client acquisition.

The combination of a larger banker network, specialized capabilities and broader geographic coverage could create additional avenues for organic growth. The entry into Florida and Georgia, along with deeper coverage in Texas and Arizona, should help USB expand its commercial client base and increase activity across lending, operating deposits, payments and treasury management. This could support loan and deposit growth while generating additional fee income. However, successful execution will be key to converting the broader footprint and capabilities into market share gains and sustainable revenue growth.

How Are Other Banks Expanding Their Market Presence?Similar to USB, other banks like Bank of America (BAC - Free Report) and The PNC Financial Services Group, Inc. (PNC - Free Report) are strengthening their market presence through expanded geographic coverage, branch expansion and broader client offerings.

Bank of America is strengthening its middle-market banking franchise by expanding Regional Investment Banking coverage across key U.S. markets. In July 2026, Bank of America added nine senior bankers across nine cities, expanding the platform to more than 200 bankers across 26 U.S. cities. The expansion aims to meet rising middle-market demand and deepen client relationships through its broader banking capabilities.

PNC Financial is similarly expanding its geographic reach through acquisitions and branch investments. Its January 2026 FirstBank acquisition added $26 billion of assets, $16 billion of loans and $23 billion of deposits, while significantly strengthening its presence in Colorado and Arizona. PNC Financial has also increased its planned branch investment to nearly $2 billion, targeting more than 300 new branches across nearly 20 markets by 2030.

USB’s Price Performance & Zacks RankOver the past year, shares of USB have gained 26.9% compared with the industry’s 30.7% growth.

Image Source: Zacks Investment Research

At present, USB carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

On August 25, 2026, we delve into the DCF analysis for U.S. Bancorp USB, a financial institution that has shown a year-to-date increase of 19.2% and a notable 34.4% rise over the past year. However, recent price performance has seen a decline of 3.8% over the past week and 2.4% over the past month. This backdrop sets the stage for a deeper examination of USB's valuation.

DCF Earnings-based intrinsic value of $57.82 vs current price of $62.42 (margin of safety: -8.0%) DCF Free Cash Flow-based intrinsic value of $102.45 (significantly undervalued with 39.1% margin of safety) GF Score™ of 76/100 indicates a moderate reliability of the DCF inputs, but the low predictability rank of 1/5 stars suggests caution in relying solely on DCF models. What Is USB Worth? DCF Earnings-Based Model The DCF earnings-based model for U.S. Bancorp employs a two-stage approach to estimate intrinsic value. In the first stage, we project earnings growth over the next ten years at a rate of 3.5%, followed by a terminal growth phase at 4% for the subsequent ten years. The discount rate applied is 11%, derived from the risk-free rate and equity risk premium.

Parameter Value Current EPS (TTM, excl. non-recurring) $5.01 10-Year Growth Rate 3.5% 10-Year Treasury Rate 4.67% Discount Rate (ceil(Treasury) + 6%) 11% Terminal Growth Rate 4% In the growth phase, the estimated value per share is calculated as follows:

Stage Description Value Growth Stage (Years 1-10) EPS growing at 3.5%, discounted at 11% $38.32 Terminal Stage (Years 11-20) 4% terminal growth, discounted at 11% $19.50 Intrinsic Value Growth + Terminal $57.82 With the current price at $62.42, the intrinsic value of $57.82 indicates that U.S. Bancorp is fairly valued, presenting a margin of safety of -8.0%. It is important to note that GuruFocus utilizes EPS excluding non-recurring items, as research indicates that stock prices tend to correlate more closely with earnings than free cash flow. For further details, visit the USB DCF Calculator.

What Does the Free Cash Flow DCF Say? The alternative DCF model based on Free Cash Flow (FCF) presents an intrinsic value of $102.45 per share. This significantly undervalued position, with a margin of safety of 39.1%, contrasts sharply with the earnings-based model. The divergence between these two valuation methods highlights the uncertainty surrounding U.S. Bancorp's future cash flows and earnings quality.

How Does GF Value™ Compare to the DCF Models? Adding another layer to our analysis, the GF Value™ for U.S. Bancorp stands at $49.99, suggesting that the stock is currently overvalued by 24.9%. GF Value™ is GuruFocus' proprietary measure, derived from historical trading multiples, past business growth, and future performance estimates. The differing perspectives from the DCF models and GF Value™ indicate a lack of consensus on U.S. Bancorp's valuation, which investors should carefully consider. For more insights, check the GF Value™.

What Does USB's GF Score™ Tell Us? The GF Score™ evaluates various aspects of a company's performance, including financial strength, profitability, growth, valuation, and momentum. U.S. Bancorp's score of 76/100 reflects a moderate standing, but its predictability rank of 1/5 stars raises concerns about the reliability of the DCF models. This low predictability suggests that investors should approach the DCF estimates with caution.

Metric Rating GF Score™ 76/100 Financial Strength 3/10 Profitability 6/10 Growth 7/10 Valuation 6/10 Momentum 10/10 For more information on U.S. Bancorp, visit the USB stock page.

Key Assumptions and Limitations It is essential to recognize that DCF models are highly sensitive to the assumptions made regarding growth rates and discount rates. Stocks with low predictability ratings, such as U.S. Bancorp, tend to produce less reliable DCF estimates. The terminal growth rate of 4% is a simplifying assumption that may not accurately reflect future market conditions.

What This Means for Investors The analysis reveals a significant divergence between the DCF earnings-based model, which suggests fair valuation, and the DCF FCF model, which indicates substantial undervaluation. The GF Value™ also points to overvaluation, creating a complex picture for investors. Furthermore, the Guru 13F activity shows that 19 gurus currently hold U.S. Bancorp, with 6 adding to their positions and 11 trimming, while insiders have sold $18.7 million worth of shares in the past year. This mixed signal from guru ownership and insider activity adds another layer of complexity to the investment thesis. Investors should weigh these insights carefully when considering U.S. Bancorp's potential. For a comprehensive look at the DCF analysis, visit the USB DCF Calculator.

Frequently Asked Questions What is USB's intrinsic value based on DCF?

Based on the earnings-based model, the intrinsic value is $57.82, while the FCF-based model suggests an intrinsic value of $102.45.

Is USB overvalued or undervalued?

The earnings-based DCF indicates fair valuation, while the FCF-based model suggests it is significantly undervalued. The GF Value™ indicates that it is overvalued.

How reliable is the DCF model for USB?

Given its predictability rank of 1/5 stars, the DCF model for U.S. Bancorp is considered less reliable.

This stock alert was generated using automated technology and GuruFocus financial data to provide readers with timely and accurate market reporting. This content was reviewed by GuruFocus editorial team prior to publication. Please send any questions or comments about this story to [email protected].

Disclosures I/We may personally own shares in some of the companies mentioned above. However, those positions are not material to either the company or to my/our portfolios.

Investors with an interest in Banks - Major Regional stocks have likely encountered both U.S. Bancorp (USB) and Northern Trust Corporation (NTRS). But which of these two companies is the best option for those looking for undervalued stocks?

On August 19, 2026, U.S. Bancorp
USB -3.04% 75

shares fell 3.0% today, closing at $62.82. The stock has faced a challenging week, down 3.4%, while it has shown a year-to-date increase of 20.0%. The shares have fluctuated significantly over the past year, reaching a 52-week high of $66.08 and a low of $45.02.

GF Value™ verdict: Current price of $62.82 is 25.9% above the fair value estimate of $49.91. GF Score™: 75/100, indicating an above-average rating. Most notable signal: $18.7M in insider selling over the past 12 months, with no purchases.Is USB Overvalued or Undervalued?According to the GF Value™, U.S. Bancorp is currently trading at $62.82, which is significantly above its fair value estimate of $49.91. This places USB at a 25.9% premium, indicating that it is overvalued. The GF Valuation label categorizes the stock as "Modestly Overvalued," suggesting that while it may not be drastically overpriced, there is a risk of a correction if the market adjusts to align the stock price closer to its intrinsic value. The GF Value™ is derived from an analysis of historical trading multiples, the company’s past growth rates, and forecasts of future performance.

The overvaluation signal raises concerns about the sustainability of the current price, particularly in light of the broader market dynamics and the company’s financial health. Without a margin of safety, investors may face increased risks should the stock price correct toward its estimated fair value.

How Does USB's Valuation Compare to Its History?Metric Current Historical P/E (TTM) 12.5x 11.5x Forward P/E 12.0x N/AU.S. Bancorp's current P/E ratio of 12.5x is 9% above its 5-year median P/E of 11.5x. Furthermore, the forward P/E of 12.0x suggests that the stock is trading at a slightly higher valuation compared to its historical levels. This analysis aligns with the GF Value™ conclusion that USB is overvalued, reinforcing the notion that the stock price may face downward pressure in the absence of strong performance improvements or favorable market conditions.

What Does USB's GF Score™ Tell Us?The GF Score™ evaluates a stock based on various metrics, helping to provide a comprehensive view of its overall quality. U.S. Bancorp has a GF Score™ of 75/100, indicating it is above average in terms of its fundamentals and market position. The strongest sub-rank is its Momentum Rank at 10/10, while its Financial Strength rank is the weakest at 3/10.

Metric Rating GF Score™ 75 Financial Strength 3/10 Profitability 6/10 Growth 7/10 Valuation 5/10 Momentum 10/10The stronger momentum indicates that the stock has been performing well in the short term, which is a positive sign for traders. However, the low financial strength score suggests potential vulnerabilities that could affect the company's long-term stability. This disparity in scores highlights the need for cautious evaluation, especially given the current overvaluation scenario.

What Are Gurus and Insiders Doing with USB?Currently, 19 gurus hold U.S. Bancorp shares, with 6 increasing their positions while 11 have trimmed theirs in recent quarters. This mixed activity indicates a divided sentiment among knowledgeable investors regarding the stock's future prospects. The insider selling of $18.7 million without any recent purchases is particularly noteworthy, suggesting a lack of confidence from those within the company regarding its current valuation and future performance.

This pattern of selling could be interpreted as a signal for caution, especially in light of the stock's overvalued status. The absence of insider buying further compounds concerns, as it indicates that those closest to the company are not investing further in its future.

What This Means for InvestorsGiven the assessment of U.S. Bancorp, the stock appears to be overvalued based on the GF Value™ analysis, with a current price significantly above its fair value estimate. The dividend sustainability is a key consideration for potential investors, as the stock's attractiveness diminishes amidst the high valuation and insider selling activity. As always, thorough research and consideration of market conditions are essential before making investment decisions. For further insights on U.S. Bancorp, visit the U.S. Bancorp
USB -3.04% 75

stock page.

Frequently Asked QuestionsWhat is USB's GF Score™?

USB has a GF Score™ of 75/100, indicating it is above average in terms of its overall quality and fundamental metrics.

Is USB overvalued or undervalued?

USB is currently overvalued, with a GF Value™ estimate suggesting that the stock is 25.9% above its fair value.

What is USB's P/E ratio?

USB has a trailing P/E ratio of 12.5, which is above its 5-year median P/E of 11.5, indicating a higher valuation compared to its historical averages.

This stock alert was generated using automated technology and GuruFocus financial data to provide readers with timely and accurate market reporting. This content was reviewed by GuruFocus editorial team prior to publication. Please send any questions or comments about this story to [email protected].

Shares of U.S. Bancorp (NYSE:USB – Get Free Report) hit a new 52-week high on Tuesday . The company traded as high as $66.07 and last traded at $64.81, with a volume of 5602522 shares. The stock had previously closed at $65.42.

Wall Street Analysts Forecast Growth A number of research analysts recently weighed in on the stock. DA Davidson raised their price target on shares of U.S. Bancorp from $72.00 to $74.00 and gave the company a “buy” rating in a research report on Friday, July 17th. JPMorgan Chase & Co. lifted their price target on shares of U.S. Bancorp from $67.50 to $69.00 and gave the stock a “neutral” rating in a research note on Wednesday, July 29th. Royal Bank Of Canada raised their price target on U.S. Bancorp from $61.00 to $68.00 and gave the stock an “outperform” rating in a research note on Friday, July 17th. Keefe, Bruyette & Woods upped their price target on shares of U.S. Bancorp from $63.00 to $66.00 and gave the stock a “market perform” rating in a research note on Friday, July 17th. Finally, Morgan Stanley increased their price objective on shares of U.S. Bancorp from $64.00 to $67.00 and gave the company an “equal weight” rating in a research report on Monday, June 29th. One equities research analyst has rated the stock with a Strong Buy rating, sixteen have issued a Buy rating and eight have issued a Hold rating to the company’s stock. According to data from MarketBeat, the stock has a consensus rating of “Moderate Buy” and an average price target of $67.06.

Check Out Our Latest Stock Report on U.S. Bancorp

U.S. Bancorp Stock Down 0.9% The company has a quick ratio of 0.82, a current ratio of 0.83 and a debt-to-equity ratio of 0.96. The company’s 50 day moving average is $61.95 and its two-hundred day moving average is $57.45. The company has a market capitalization of $100.98 billion, a PE ratio of 12.94, a PEG ratio of 1.07 and a beta of 0.96. U.S. Bancorp (NYSE:USB – Get Free Report) last announced its quarterly earnings results on Thursday, July 16th. The financial services provider reported $1.35 EPS for the quarter, beating analysts’ consensus estimates of $1.28 by $0.07. U.S. Bancorp had a return on equity of 13.69% and a net margin of 18.49%.The company had revenue of $7.69 billion during the quarter, compared to analyst estimates of $7.58 billion. During the same period in the prior year, the company earned $1.11 earnings per share. On average, analysts anticipate that U.S. Bancorp will post 5.22 earnings per share for the current year.

U.S. Bancorp Dividend Announcement The company also recently announced a quarterly dividend, which was paid on Wednesday, July 15th. Stockholders of record on Tuesday, June 30th were issued a $0.52 dividend. This represents a $2.08 annualized dividend and a dividend yield of 3.2%. The ex-dividend date was Tuesday, June 30th. U.S. Bancorp’s dividend payout ratio (DPR) is 41.52%.

Insider Transactions at U.S. Bancorp In other news, insider Stephen L. Philipson sold 36,906 shares of the business’s stock in a transaction on Monday, July 20th. The shares were sold at an average price of $63.08, for a total transaction of $2,328,030.48. Following the completion of the sale, the insider directly owned 74,969 shares of the company’s stock, valued at approximately $4,729,044.52. The trade was a 32.99% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which can be accessed through this link. 0.21% of the stock is currently owned by insiders.

Hedge Funds Weigh In On U.S. Bancorp A number of large investors have recently bought and sold shares of USB. Financial Life Planners bought a new position in shares of U.S. Bancorp in the 1st quarter worth $27,000. Main Street Group LTD acquired a new stake in U.S. Bancorp in the 1st quarter worth approximately $28,000. JPL Wealth Management LLC purchased a new stake in shares of U.S. Bancorp during the third quarter valued at $28,000. Parvin Asset Management LLC acquired a new position in shares of U.S. Bancorp in the second quarter valued at about $30,000. Finally, Binnacle Investments Inc increased its holdings in U.S. Bancorp by 77.8% in the 3rd quarter. Binnacle Investments Inc now owns 624 shares of the financial services provider’s stock worth $30,000 after buying an additional 273 shares during the period. Institutional investors own 77.60% of the company’s stock.

About U.S. Bancorp (Get Free Report)

U.S. Bancorp (NYSE: USB) is a bank holding company and the parent of U.S. Bank, a national commercial bank that provides a wide range of banking, investment, mortgage, trust and payment services. The company operates through consumer and business banking, commercial banking, payment services, and wealth management segments. Its product set includes deposit accounts, consumer and commercial lending, mortgage origination and servicing, credit and debit card services, treasury and cash management, merchant processing, and institutional and trust services.

Headquartered in Minneapolis, Minnesota, U.S.

Further Reading Five stocks we like better than U.S. Bancorp Commodities Are Booming, But These 3 ETFs Tell Different Stories 3 Active ETFs Making Big Moves in August This ETF Is Outperforming by Avoiding the S&P 500’s Biggest Problem Birkenstock Beats the Skeptics—But Not on EPS Receive News & Ratings for U.S. Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for U.S. Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.

All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.

Cash flow can come from bond interest, interest from other types of investments, and, of course, dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.

Based in Minneapolis, U.S. Bancorp (USB - Free Report) is in the Finance sector, and so far this year, shares have seen a price change of 20.37%. Currently paying a dividend of $0.52 per share, the company has a dividend yield of 3.24%. In comparison, the Banks - Major Regional industry's yield is 2.83%, while the S&P 500's yield is 1.32%.

Looking at dividend growth, the company's current annualized dividend of $2.08 is up 2% from last year. Over the last 5 years, U.S. Bancorp has increased its dividend 4 times on a year-over-year basis for an average annual increase of 4.01%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. U.S. Bancorp's current payout ratio is 42%, meaning it paid out 42% of its trailing 12-month EPS as dividend.

USB is expecting earnings to expand this fiscal year as well. The Zacks Consensus Estimate for 2026 is $5.22 per share, representing a year-over-year earnings growth rate of 12.99%.

Investors like dividends for many reasons; they greatly improve stock investing profits, decrease overall portfolio risk, and carry tax advantages, among others. But, not every company offers a quarterly payout.

Big, established firms that have more secure profits are often seen as the best dividend options, but it's fairly uncommon to see high-growth businesses or tech start-ups offer their stockholders a dividend. Income investors have to be mindful of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. That said, they can take comfort from the fact that USB is not only an attractive dividend play, but is also a compelling investment opportunity with a Zacks Rank of #2 (Buy).

Posted by Defense World Staff on Aug 1st, 2026

Bank of America Corp DE grew its holdings in U.S. Bancorp (NYSE:USB – Free Report) by 6.9% in the 1st quarter, according to the company in its most recent filing with the SEC. The firm owned 15,820,033 shares of the financial services provider’s stock after buying an additional 1,022,898 shares during the quarter. Bank of America Corp DE owned approximately 1.02% of U.S. Bancorp worth $822,800,000 at the end of the most recent quarter.

Other institutional investors and hedge funds also recently added to or reduced their stakes in the company. Clayton Financial Group LLC purchased a new position in shares of U.S. Bancorp during the fourth quarter valued at about $25,000. Financial Life Planners purchased a new position in shares of U.S. Bancorp during the 1st quarter worth approximately $27,000. Main Street Group LTD purchased a new position in shares of U.S. Bancorp during the 1st quarter worth approximately $28,000. Rossby Financial LCC boosted its position in shares of U.S. Bancorp by 57.8% during the fourth quarter. Rossby Financial LCC now owns 579 shares of the financial services provider’s stock valued at $31,000 after purchasing an additional 212 shares in the last quarter. Finally, NFSG Corp purchased a new stake in U.S. Bancorp in the first quarter worth $31,000. Hedge funds and other institutional investors own 77.60% of the company’s stock.

U.S. Bancorp Price Performance Shares of NYSE USB opened at $63.00 on Friday. The firm has a market cap of $97.72 billion, a P/E ratio of 12.58, a PEG ratio of 1.03 and a beta of 0.96. U.S. Bancorp has a twelve month low of $43.46 and a twelve month high of $64.84. The company has a quick ratio of 0.82, a current ratio of 0.83 and a debt-to-equity ratio of 0.96. The company has a 50 day moving average of $59.82 and a 200 day moving average of $56.70.

U.S. Bancorp (NYSE:USB – Get Free Report) last issued its earnings results on Thursday, July 16th. The financial services provider reported $1.35 EPS for the quarter, beating the consensus estimate of $1.28 by $0.07. The business had revenue of $7.71 billion for the quarter, compared to the consensus estimate of $7.58 billion. U.S. Bancorp had a return on equity of 13.69% and a net margin of 18.49%.During the same period last year, the business posted $1.11 EPS. As a group, research analysts expect that U.S. Bancorp will post 5.22 EPS for the current fiscal year.

U.S. Bancorp Announces Dividend The business also recently disclosed a quarterly dividend, which was paid on Wednesday, July 15th. Investors of record on Tuesday, June 30th were given a dividend of $0.52 per share. The ex-dividend date was Tuesday, June 30th. This represents a $2.08 dividend on an annualized basis and a yield of 3.3%. U.S. Bancorp’s dividend payout ratio is 41.52%.

Wall Street Analysts Forecast Growth A number of analysts have recently weighed in on USB shares. Barclays upped their target price on shares of U.S. Bancorp from $67.00 to $75.00 and gave the stock an “overweight” rating in a research report on Friday, July 17th. BTIG Research set a $67.50 price objective on shares of U.S. Bancorp in a report on Monday, July 20th. Morgan Stanley lifted their target price on shares of U.S. Bancorp from $64.00 to $67.00 and gave the company an “equal weight” rating in a report on Monday, June 29th. Raymond James Financial started coverage on U.S. Bancorp in a research note on Wednesday, July 8th. They issued a “strong-buy” rating and a $72.00 price target on the stock. Finally, Evercore raised U.S. Bancorp from an “in-line” rating to an “outperform” rating and set a $72.00 price objective for the company in a research report on Monday, July 20th. One equities research analyst has rated the stock with a Strong Buy rating, sixteen have issued a Buy rating and eight have issued a Hold rating to the stock. According to MarketBeat.com, the company currently has a consensus rating of “Moderate Buy” and a consensus target price of $67.06.

Check Out Our Latest Stock Analysis on U.S. Bancorp

Insider Activity at U.S. Bancorp In other U.S. Bancorp news, insider Stephen L. Philipson sold 36,906 shares of the business’s stock in a transaction on Monday, July 20th. The shares were sold at an average price of $63.08, for a total transaction of $2,328,030.48. Following the completion of the sale, the insider directly owned 74,969 shares in the company, valued at approximately $4,729,044.52. The trade was a 32.99% decrease in their position. The sale was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this hyperlink. Also, EVP Venkatachari Dilip sold 34,522 shares of the firm’s stock in a transaction on Tuesday, May 5th. The stock was sold at an average price of $55.52, for a total value of $1,916,661.44. Following the completion of the transaction, the executive vice president owned 51,292 shares in the company, valued at approximately $2,847,731.84. This trade represents a 40.23% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. Company insiders own 0.21% of the company’s stock.

U.S. Bancorp Company Profile (Free Report)

U.S. Bancorp (NYSE: USB) is a bank holding company and the parent of U.S. Bank, a national commercial bank that provides a wide range of banking, investment, mortgage, trust and payment services. The company operates through consumer and business banking, commercial banking, payment services, and wealth management segments. Its product set includes deposit accounts, consumer and commercial lending, mortgage origination and servicing, credit and debit card services, treasury and cash management, merchant processing, and institutional and trust services.

Headquartered in Minneapolis, Minnesota, U.S.

See Also Five stocks we like better than U.S. Bancorp Chevron’s Strong Quarter Shows Why It Still Leads the Energy Sector Amazon’s Earnings Beat Shows Why AWS Is Back at the Center of the Bull Case Apple’s Record Quarter Could Not Outrun Its Guidance Problem McKesson’s Compounding Keeps Adding Up Want to see what other hedge funds are holding USB? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for U.S. Bancorp (NYSE:USB – Free Report).

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Posted by Defense World Staff on Jul 30th, 2026

Arete Wealth Advisors LLC raised its stake in U.S. Bancorp (NYSE:USB – Free Report) by 40.6% in the first quarter, according to the company in its most recent disclosure with the Securities & Exchange Commission. The institutional investor owned 30,955 shares of the financial services provider’s stock after purchasing an additional 8,931 shares during the quarter. Arete Wealth Advisors LLC’s holdings in U.S. Bancorp were worth $1,609,000 at the end of the most recent reporting period.

Other hedge funds and other institutional investors have also made changes to their positions in the company. Clayton Financial Group LLC acquired a new position in shares of U.S. Bancorp during the 4th quarter worth about $25,000. Financial Life Planners bought a new stake in U.S. Bancorp in the first quarter valued at approximately $27,000. Main Street Group LTD acquired a new stake in shares of U.S. Bancorp in the first quarter valued at approximately $28,000. Rossby Financial LCC increased its holdings in shares of U.S. Bancorp by 57.8% during the 4th quarter. Rossby Financial LCC now owns 579 shares of the financial services provider’s stock worth $31,000 after acquiring an additional 212 shares during the last quarter. Finally, NFSG Corp bought a new stake in U.S. Bancorp in the 1st quarter valued at $31,000. 77.60% of the stock is owned by institutional investors.

U.S. Bancorp Stock Performance NYSE:USB opened at $62.86 on Thursday. The company has a quick ratio of 0.82, a current ratio of 0.83 and a debt-to-equity ratio of 0.96. The firm has a market capitalization of $97.50 billion, a PE ratio of 12.55, a price-to-earnings-growth ratio of 1.06 and a beta of 0.96. U.S. Bancorp has a twelve month low of $43.46 and a twelve month high of $64.84. The stock’s 50-day simple moving average is $59.49 and its 200 day simple moving average is $56.60.

U.S. Bancorp (NYSE:USB – Get Free Report) last posted its earnings results on Thursday, July 16th. The financial services provider reported $1.35 EPS for the quarter, topping analysts’ consensus estimates of $1.28 by $0.07. U.S. Bancorp had a net margin of 18.49% and a return on equity of 13.69%. The firm had revenue of $7.71 billion during the quarter, compared to analysts’ expectations of $7.58 billion. During the same quarter in the prior year, the business earned $1.11 earnings per share. On average, analysts anticipate that U.S. Bancorp will post 5.22 EPS for the current fiscal year.

U.S. Bancorp Dividend Announcement The business also recently declared a quarterly dividend, which was paid on Wednesday, July 15th. Stockholders of record on Tuesday, June 30th were issued a dividend of $0.52 per share. The ex-dividend date was Tuesday, June 30th. This represents a $2.08 annualized dividend and a dividend yield of 3.3%. U.S. Bancorp’s dividend payout ratio is 41.52%.

Insider Buying and Selling at U.S. Bancorp In related news, EVP Venkatachari Dilip sold 34,522 shares of the business’s stock in a transaction on Tuesday, May 5th. The stock was sold at an average price of $55.52, for a total transaction of $1,916,661.44. Following the sale, the executive vice president owned 51,292 shares in the company, valued at $2,847,731.84. The trade was a 40.23% decrease in their position. The sale was disclosed in a legal filing with the SEC, which is available at this hyperlink. Also, insider Stephen L. Philipson sold 36,906 shares of the stock in a transaction dated Monday, July 20th. The shares were sold at an average price of $63.08, for a total value of $2,328,030.48. Following the completion of the transaction, the insider owned 74,969 shares of the company’s stock, valued at $4,729,044.52. This represents a 32.99% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Company insiders own 0.21% of the company’s stock.

Wall Street Analyst Weigh In Several brokerages recently commented on USB. Truist Financial lifted their target price on shares of U.S. Bancorp from $66.00 to $69.00 and gave the stock a “buy” rating in a report on Friday, July 17th. Weiss Ratings upgraded U.S. Bancorp from a “buy (b-)” rating to a “buy (b)” rating in a research note on Monday, May 4th. Royal Bank Of Canada lifted their price target on U.S. Bancorp from $61.00 to $68.00 and gave the stock an “outperform” rating in a report on Friday, July 17th. Oppenheimer boosted their price target on U.S. Bancorp from $73.00 to $77.00 and gave the company an “outperform” rating in a research note on Friday, July 17th. Finally, Jefferies Financial Group upgraded U.S. Bancorp from a “hold” rating to a “buy” rating and increased their price objective for the stock from $60.00 to $75.00 in a research report on Monday, July 6th. One research analyst has rated the stock with a Strong Buy rating, sixteen have given a Buy rating and eight have given a Hold rating to the stock. Based on data from MarketBeat.com, the company currently has an average rating of “Moderate Buy” and a consensus target price of $67.06.

Read Our Latest Analysis on U.S. Bancorp

U.S. Bancorp Profile (Free Report)

U.S. Bancorp (NYSE: USB) is a bank holding company and the parent of U.S. Bank, a national commercial bank that provides a wide range of banking, investment, mortgage, trust and payment services. The company operates through consumer and business banking, commercial banking, payment services, and wealth management segments. Its product set includes deposit accounts, consumer and commercial lending, mortgage origination and servicing, credit and debit card services, treasury and cash management, merchant processing, and institutional and trust services.

Headquartered in Minneapolis, Minnesota, U.S.

Featured Stories Five stocks we like better than U.S. Bancorp Why SK hynix Could Be the Best AI Chip Stock to Buy Now Seagate Technology Stock Surges as Earnings Beat Silences AI Doubters Alphabet Is Down 18% From Its High After a Stellar Quarter—Overdone, or More Downside Ahead? Why Bloom Energy May Be the Most Important AI Infrastructure Stock Want to see what other hedge funds are holding USB? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for U.S. Bancorp (NYSE:USB – Free Report).

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Caxton Associates LLP decreased its position in U.S. Bancorp (NYSE:USB – Free Report) by 85.1% during the 1st quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The fund owned 8,250 shares of the financial services provider’s stock after selling 47,129 shares during the quarter. Caxton Associates LLP’s holdings in U.S. Bancorp were worth $429,000 as of its most recent SEC filing.

Several other hedge funds and other institutional investors have also bought and sold shares of USB. Clayton Financial Group LLC bought a new stake in shares of U.S. Bancorp in the 4th quarter worth approximately $25,000. Financial Life Planners purchased a new position in U.S. Bancorp during the first quarter valued at approximately $27,000. Main Street Group LTD purchased a new position in shares of U.S. Bancorp during the 1st quarter valued at $28,000. JPL Wealth Management LLC bought a new position in shares of U.S. Bancorp in the third quarter worth approximately $28,000. Finally, Binnacle Investments Inc raised its position in shares of U.S. Bancorp by 77.8% during the 3rd quarter. Binnacle Investments Inc now owns 624 shares of the financial services provider’s stock valued at $30,000 after buying an additional 273 shares in the last quarter. Institutional investors and hedge funds own 77.60% of the company’s stock.

Wall Street Analysts Forecast Growth A number of analysts recently weighed in on USB shares. Oppenheimer boosted their target price on U.S. Bancorp from $73.00 to $77.00 and gave the stock an “outperform” rating in a research report on Friday, July 17th. BTIG Research set a $67.50 price target on U.S. Bancorp in a report on Monday, July 20th. Robert W. Baird lifted their price objective on U.S. Bancorp from $64.00 to $68.00 and gave the company a “neutral” rating in a research report on Friday, July 17th. JPMorgan Chase & Co. upgraded shares of U.S. Bancorp from an “underweight” rating to a “neutral” rating and lifted their target price for the company from $65.00 to $67.50 in a report on Monday, July 20th. Finally, Keefe, Bruyette & Woods upped their price target on shares of U.S. Bancorp from $63.00 to $66.00 and gave the stock a “market perform” rating in a research note on Friday, July 17th. One analyst has rated the stock with a Strong Buy rating, sixteen have given a Buy rating and eight have given a Hold rating to the stock. Based on data from MarketBeat.com, U.S. Bancorp has an average rating of “Moderate Buy” and an average target price of $67.00.

Check Out Our Latest Research Report on USB

Insiders Place Their Bets In other news, EVP Venkatachari Dilip sold 34,522 shares of the stock in a transaction that occurred on Tuesday, May 5th. The shares were sold at an average price of $55.52, for a total transaction of $1,916,661.44. Following the transaction, the executive vice president directly owned 51,292 shares in the company, valued at approximately $2,847,731.84. This trade represents a 40.23% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link. 0.21% of the stock is currently owned by company insiders.

U.S. Bancorp Price Performance Shares of NYSE:USB opened at $63.52 on Tuesday. The firm has a market cap of $98.52 billion, a price-to-earnings ratio of 12.68, a P/E/G ratio of 1.05 and a beta of 0.96. The firm has a fifty day moving average price of $59.09 and a 200 day moving average price of $56.48. The company has a debt-to-equity ratio of 0.96, a quick ratio of 0.82 and a current ratio of 0.83. U.S. Bancorp has a fifty-two week low of $43.46 and a fifty-two week high of $64.84.

U.S. Bancorp (NYSE:USB – Get Free Report) last issued its quarterly earnings data on Thursday, July 16th. The financial services provider reported $1.35 EPS for the quarter, topping analysts’ consensus estimates of $1.28 by $0.07. U.S. Bancorp had a net margin of 18.49% and a return on equity of 13.69%. The business had revenue of $7.71 billion during the quarter, compared to analysts’ expectations of $7.58 billion. During the same period last year, the company posted $1.11 EPS. As a group, sell-side analysts expect that U.S. Bancorp will post 5.22 earnings per share for the current fiscal year.

U.S. Bancorp Dividend Announcement The company also recently announced a quarterly dividend, which was paid on Wednesday, July 15th. Shareholders of record on Tuesday, June 30th were given a dividend of $0.52 per share. The ex-dividend date of this dividend was Tuesday, June 30th. This represents a $2.08 dividend on an annualized basis and a yield of 3.3%. U.S. Bancorp’s payout ratio is 41.52%.

About U.S. Bancorp (Free Report)

U.S. Bancorp (NYSE: USB) is a bank holding company and the parent of U.S. Bank, a national commercial bank that provides a wide range of banking, investment, mortgage, trust and payment services. The company operates through consumer and business banking, commercial banking, payment services, and wealth management segments. Its product set includes deposit accounts, consumer and commercial lending, mortgage origination and servicing, credit and debit card services, treasury and cash management, merchant processing, and institutional and trust services.

Headquartered in Minneapolis, Minnesota, U.S.

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Momentum investing is all about the idea of following a stock's recent trend, which can be in either direction. In the "long context," investors will essentially be "buying high, but hoping to sell even higher." And for investors following this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving in that direction. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.

Even though momentum is a popular stock characteristic, it can be tough to define. Debate surrounding which are the best and worst metrics to focus on is lengthy, but the Zacks Momentum Style Score, part of the Zacks Style Scores, helps address this issue for us.

Below, we take a look at U.S. Bancorp (USB - Free Report) , which currently has a Momentum Style Score of A. We also discuss some of the main drivers of the Momentum Style Score, like price change and earnings estimate revisions.

It's also important to note that Style Scores work as a complement to the Zacks Rank, our stock rating system that has an impressive track record of outperformance. U.S. Bancorp currently has a Zacks Rank of #2 (Buy). Our research shows that stocks rated Zacks Rank #1 (Strong Buy) and #2 (Buy) and Style Scores of "A or B" outperform the market over the following one-month period.

You can see the current list of Zacks #1 Rank Stocks here >>>

Set to Beat the Market? In order to see if USB is a promising momentum pick, let's examine some Momentum Style elements to see if this company holds up.

A good momentum benchmark for a stock is to look at its short-term price activity, as this can reflect both current interest and if buyers or sellers currently have the upper hand. It is also useful to compare a security to its industry, as this can help investors pinpoint the top companies in a particular area.

For USB, shares are up 1.31% over the past week while the Zacks Banks - Major Regional industry is down 1.03% over the same time period. Shares are looking quite well from a longer time frame too, as the monthly price change of 5.02% compares favorably with the industry's 3.82% performance as well.

Considering longer term price metrics, like performance over the last three months or year, can be advantageous as well. Shares of U.S. Bancorp have increased 13.62% over the past quarter, and have gained 38.1% in the last year. In comparison, the S&P 500 has only moved 3.77% and 17.72%, respectively.

Investors should also take note of USB's average 20-day trading volume. Volume is a useful item in many ways, and the 20-day average establishes a good price-to-volume baseline; a rising stock with above average volume is generally a bullish sign, whereas a declining stock on above average volume is typically bearish. Right now USB is averaging 7,994,610 shares for the last 20 days..

Earnings OutlookThe Zacks Momentum Style Score also takes into account trends in estimate revisions, in addition to price changes. Please note that estimate revision trends remain at the core of Zacks Rank as well. A nice path here can help show promise, and we have recently been seeing that with USB.

Over the past two months, 8 earnings estimates moved higher compared to none lower for the full year. These revisions helped boost USB's consensus estimate, increasing from $5.09 to $5.22 in the past 60 days. Looking at the next fiscal year, 8 estimates have moved upwards while there have been no downward revisions in the same time period.

Bottom LineGiven these factors, it shouldn't be surprising that USB is a #2 (Buy) stock and boasts a Momentum Score of A. If you're looking for a fresh pick that's set to soar in the near-term, make sure to keep U.S. Bancorp on your short list.

Baader Bank Aktiengesellschaft bought a new position in shares of U.S. Bancorp (NYSE:USB – Free Report) in the first quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The institutional investor bought 15,013 shares of the financial services provider’s stock, valued at approximately $781,000.

Other hedge funds and other institutional investors have also recently modified their holdings of the company. Vanguard Group Inc. lifted its position in U.S. Bancorp by 1.3% during the fourth quarter. Vanguard Group Inc. now owns 146,376,783 shares of the financial services provider’s stock worth $7,810,665,000 after buying an additional 1,828,404 shares in the last quarter. State Street Corp raised its holdings in shares of U.S. Bancorp by 0.8% during the 4th quarter. State Street Corp now owns 69,701,898 shares of the financial services provider’s stock worth $3,755,083,000 after acquiring an additional 522,368 shares during the period. Geode Capital Management LLC boosted its position in shares of U.S. Bancorp by 1.2% during the 4th quarter. Geode Capital Management LLC now owns 37,679,617 shares of the financial services provider’s stock valued at $2,002,518,000 after acquiring an additional 443,646 shares during the last quarter. Norges Bank purchased a new stake in shares of U.S. Bancorp in the fourth quarter valued at about $1,887,497,000. Finally, Auto Owners Insurance Co grew its holdings in shares of U.S. Bancorp by 5,236.0% in the fourth quarter. Auto Owners Insurance Co now owns 33,350,000 shares of the financial services provider’s stock valued at $1,779,556,000 after purchasing an additional 32,725,000 shares during the period. 77.60% of the stock is owned by hedge funds and other institutional investors.

Analysts Set New Price Targets A number of equities analysts have commented on the stock. Weiss Ratings raised shares of U.S. Bancorp from a “buy (b-)” rating to a “buy (b)” rating in a research note on Monday, May 4th. Keefe, Bruyette & Woods raised their price target on shares of U.S. Bancorp from $63.00 to $66.00 and gave the stock a “market perform” rating in a report on Friday, July 17th. Stephens lifted their price target on shares of U.S. Bancorp from $63.00 to $67.00 and gave the company an “equal weight” rating in a research report on Friday. DA Davidson upped their price objective on U.S. Bancorp from $72.00 to $74.00 and gave the company a “buy” rating in a report on Friday. Finally, Robert W. Baird raised their target price on U.S. Bancorp from $64.00 to $68.00 and gave the stock a “neutral” rating in a research note on Friday, July 17th. One equities research analyst has rated the stock with a Strong Buy rating, sixteen have issued a Buy rating and eight have assigned a Hold rating to the stock. According to MarketBeat.com, the stock presently has an average rating of “Moderate Buy” and a consensus target price of $67.00.

Read Our Latest Report on U.S. Bancorp

Insider Transactions at U.S. Bancorp In other U.S. Bancorp news, EVP Venkatachari Dilip sold 34,522 shares of the business’s stock in a transaction dated Tuesday, May 5th. The shares were sold at an average price of $55.52, for a total transaction of $1,916,661.44. Following the sale, the executive vice president directly owned 51,292 shares in the company, valued at $2,847,731.84. This represents a 40.23% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at the SEC website. 0.21% of the stock is owned by company insiders.

U.S. Bancorp Stock Up 0.9% Shares of NYSE USB opened at $63.69 on Wednesday. The company has a quick ratio of 0.82, a current ratio of 0.83 and a debt-to-equity ratio of 0.96. The business’s 50 day moving average is $58.24 and its two-hundred day moving average is $56.22. U.S. Bancorp has a 52-week low of $43.46 and a 52-week high of $64.84. The firm has a market cap of $98.78 billion, a price-to-earnings ratio of 12.71, a PEG ratio of 1.04 and a beta of 0.96.

U.S. Bancorp (NYSE:USB – Get Free Report) last issued its quarterly earnings data on Thursday, July 16th. The financial services provider reported $1.35 earnings per share for the quarter, beating analysts’ consensus estimates of $1.28 by $0.07. The business had revenue of $7.71 billion during the quarter, compared to analysts’ expectations of $7.58 billion. U.S. Bancorp had a return on equity of 13.69% and a net margin of 18.49%.During the same period in the previous year, the firm posted $1.11 earnings per share. Research analysts predict that U.S. Bancorp will post 5.2 EPS for the current year.

U.S. Bancorp Dividend Announcement The company also recently announced a quarterly dividend, which was paid on Wednesday, July 15th. Shareholders of record on Tuesday, June 30th were given a $0.52 dividend. This represents a $2.08 annualized dividend and a yield of 3.3%. The ex-dividend date of this dividend was Tuesday, June 30th. U.S. Bancorp’s payout ratio is currently 41.52%.

More U.S. Bancorp News Here are the key news stories impacting U.S. Bancorp this week:

Positive Sentiment: Evercore ISI upgraded U.S. Bancorp (USB) from in-line to outperform and set a $72 price target, pointing to meaningful upside from current levels. The Fly article Positive Sentiment: JPMorgan raised U.S. Bancorp (USB) from underweight to neutral and increased its price target to $67.50, citing growth in fee revenue. Benzinga article Positive Sentiment: Recent commentary highlighted U.S. Bancorp as a strong dividend stock, which may be supporting investor interest in the name. Zacks article Neutral Sentiment: Several recent articles compared USB’s year-to-date performance with other financial stocks, suggesting the stock has been performing solidly relative to peers, but these pieces were mostly informational rather than clearly market-moving. MSN article About U.S. Bancorp (Free Report)

U.S. Bancorp (NYSE: USB) is a bank holding company and the parent of U.S. Bank, a national commercial bank that provides a wide range of banking, investment, mortgage, trust and payment services. The company operates through consumer and business banking, commercial banking, payment services, and wealth management segments. Its product set includes deposit accounts, consumer and commercial lending, mortgage origination and servicing, credit and debit card services, treasury and cash management, merchant processing, and institutional and trust services.

Headquartered in Minneapolis, Minnesota, U.S.

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Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.

While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that measures a dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.

Headquartered in Minneapolis, U.S. Bancorp (USB - Free Report) is a Finance stock that has seen a price change of 18.33% so far this year. The company is currently shelling out a dividend of $0.52 per share, with a dividend yield of 3.29%. This compares to the Banks - Major Regional industry's yield of 2.74% and the S&P 500's yield of 1.33%.

Looking at dividend growth, the company's current annualized dividend of $2.08 is up 2% from last year. Over the last 5 years, U.S. Bancorp has increased its dividend 4 times on a year-over-year basis for an average annual increase of 4.01%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. U.S. Bancorp's current payout ratio is 42%, meaning it paid out 42% of its trailing 12-month EPS as dividend.

USB is expecting earnings to expand this fiscal year as well. The Zacks Consensus Estimate for 2026 is $5.18 per share, which represents a year-over-year growth rate of 12.12%.

Investors like dividends for many reasons; they greatly improve stock investing profits, decrease overall portfolio risk, and carry tax advantages, among others. It's important to keep in mind that not all companies provide a quarterly payout.

High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. Income investors must be conscious of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. That said, they can take comfort from the fact that USB is not only an attractive dividend play, but is also a compelling investment opportunity with a Zacks Rank of #2 (Buy).

U.S. Bancorp (NYSE:USB) reported upbeat second-quarter 2026 results and raised its full-year revenue outlook on Thursday.

Adjusted earnings came in at $1.35 per share, topping the analyst consensus estimate of $1.28. Revenue rose to $7.69 billion, ahead of the $7.58 billion consensus estimate.

U.S. Bancorp raised its fiscal 2026 revenue guidance to $30.71 billion-$31.28 billion from $29.85 billion-$30.42 billion. The updated range compares with the $30.56 billion analyst estimate.

Management maintained medium-term targets for mid-single-digit fee revenue growth, an efficiency ratio in the mid-to-high 50% range, and return on average assets of 1.15% to 1.35%.

U.S. Bancorp shares gained 0.3% to $64.20 in pre-market trading.

These analysts made changes to their price targets on U.S. Bancorp following earnings announcement.

Baird analyst David George maintained U.S. Bancorp with a Neutral and raised the price target from $64 to $68. Barclays analyst Jason Goldberg maintained the stock with an Overweight rating and raised the price target from $67 to $75. RBC Capital analyst Gerard Cassidy maintained the stock with an Outperform rating and raised the price target from $61 to $68. Considering buying USB stock? Here’s what analysts think:

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For the quarter ended June 2026, U.S. Bancorp (USB - Free Report) reported revenue of $7.71 billion, up 10.1% over the same period last year. EPS came in at $1.35, compared to $1.11 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $7.62 billion, representing a surprise of +1.26%. The company delivered an EPS surprise of +5.47%, with the consensus EPS estimate being $1.28.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how U.S. Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

Net interest margin (taxable-equivalent basis): 2.8% versus the four-analyst average estimate of 2.8%.Total nonperforming assets: $1.35 billion versus the four-analyst average estimate of $1.63 billion.Total nonperforming loans: $1.3 billion compared to the $1.57 billion average estimate based on four analysts.Net charge-off ratio: 0.5% versus 0.6% estimated by four analysts on average.Average Balances - Earning assets: $629 billion compared to the $633.73 billion average estimate based on four analysts.Book value per common share: $38.91 versus $38.68 estimated by four analysts on average.Efficiency Ratio: 57.1% compared to the 57.2% average estimate based on three analysts.Tier 1 Capital Ratio: 12.2% versus 12.3% estimated by two analysts on average.Leverage ratio: 8.9% compared to the 8.9% average estimate based on two analysts.Total Noninterest Income: $3.33 billion compared to the $3.28 billion average estimate based on four analysts.Net interest income (taxable-equivalent basis): $4.39 billion versus the four-analyst average estimate of $4.36 billion.Mortgage banking revenue: $169 million versus $163 million estimated by three analysts on average.View all Key Company Metrics for U.S. Bancorp here>>>

Shares of U.S. Bancorp have returned +8.8% over the past month versus the Zacks S&P 500 composite's +0.5% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

On July 16, 2026, U.S. Bancorp (USB) released its 8-K filing, showcasing a solid fiscal performance in the second quarter of 2026. The bank reported net income

-

MINNEAPOLIS--(BUSINESS WIRE)--U.S. Bancorp reported its second quarter 2026 results today. The earnings release, earnings supplement and slide presentation can be accessed online at ir.usbank.com/investor-relations/financial-information.

At 7 a.m. Central Time, Chief Executive Officer Gunjan Kedia and Vice Chair and Chief Financial Officer John Stern will host a conference call to review the financial results. The conference call will be available online or by telephone. To access the webcast and presentation, visit U.S. Bancorp’s website at usbank.com and click on “About Us,” “Investor Relations” and choose “Webcasts & Presentations” from the “News & events” dropdown menu To access the conference call from locations within the United States and Canada, please dial 888-210-4659. Participants calling from outside the United States and Canada, please dial 646-960-0383. The access code for all participants is 7269933.

About U.S. Bancorp

Headquartered in Minneapolis, U.S. Bancorp is the parent company of U.S. Bank National Association the fifth-largest commercial bank in the United States. The company’s three major business lines serve 15 million clients globally, and its team of nearly 70,000 people invest their hearts and minds to power human potential every day. Ranked 110th in the Fortune 500, U.S. Bancorp is deeply respected for its culture and long-term stewardship and admired for its diversified business mix and product capabilities.

More News From U.S. Bancorp

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Analysts on Wall Street project that U.S. Bancorp (USB - Free Report) will announce quarterly earnings of $1.28 per share in its forthcoming report, representing an increase of 15.3% year over year. Revenues are projected to reach $7.62 billion, increasing 8.7% from the same quarter last year.

Over the last 30 days, there has been an upward revision of 0.9% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe.

Prior to a company's earnings release, it is of utmost importance to factor in any revisions made to the earnings projections. These revisions serve as a critical gauge for predicting potential investor behaviors with respect to the stock. Empirical studies consistently reveal a strong link between trends in earnings estimate revisions and the short-term price performance of a stock.

While investors typically rely on consensus earnings and revenue estimates to gauge how the business may have fared during the quarter, examining analysts' projections for some of the company's key metrics often helps gain a deeper insight.

Bearing this in mind, let's now explore the average estimates of specific U.S. Bancorp metrics that are commonly monitored and projected by Wall Street analysts.

Based on the collective assessment of analysts, 'Total nonperforming assets' should arrive at $1.63 billion. Compared to the current estimate, the company reported $1.68 billion in the same quarter of the previous year.

The consensus among analysts is that 'Total nonperforming loans' will reach $1.57 billion. The estimate is in contrast to the year-ago figure of $1.64 billion.

The collective assessment of analysts points to an estimated 'Average Balances - Earning assets' of $633.73 billion. The estimate is in contrast to the year-ago figure of $613.34 billion.

The average prediction of analysts places 'Book value per common share' at $38.68 . The estimate is in contrast to the year-ago figure of $35.06 .

Analysts forecast 'Efficiency Ratio' to reach 57.2%. The estimate compares to the year-ago value of 59.2%.

The consensus estimate for 'Tier 1 Capital Ratio' stands at 12.3%. Compared to the present estimate, the company reported 12.3% in the same quarter last year.

The combined assessment of analysts suggests that 'Leverage ratio' will likely reach 8.9%. The estimate compares to the year-ago value of 8.5%.

It is projected by analysts that the 'Total Noninterest Income' will reach $3.28 billion. The estimate compares to the year-ago value of $2.92 billion.

Analysts' assessment points toward 'Net interest income (taxable-equivalent basis)' reaching $4.36 billion. The estimate compares to the year-ago value of $4.08 billion.

According to the collective judgment of analysts, 'Mortgage banking revenue' should come in at $163.00 million. The estimate compares to the year-ago value of $162.00 million.

Analysts expect 'Other- noninterest income' to come in at $128.08 million. The estimate is in contrast to the year-ago figure of $192.00 million.

Analysts predict that the 'Net Interest Income' will reach $4.34 billion. The estimate compares to the year-ago value of $4.05 billion.

View all Key Company Metrics for U.S. Bancorp here>>>

Over the past month, shares of U.S. Bancorp have returned +5.9% versus the Zacks S&P 500 composite's +4.3% change. Currently, USB carries a Zacks Rank #2 (Buy), suggesting that it may outperform. the overall market in the near future. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> .

Investors interested in stocks from the Banks - Major Regional sector have probably already heard of U.S. Bancorp (USB) and BNY (BNY). But which of these two stocks offers value investors a better bang for their buck right now?

Investors looking for stocks in the Banks - Major Regional sector might want to consider either U.S. Bancorp (USB - Free Report) or BNY (BNY - Free Report) . But which of these two companies is the best option for those looking for undervalued stocks? Let's take a closer look.

The best way to find great value stocks is to pair a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system. The Zacks Rank favors stocks with strong earnings estimate revision trends, and our Style Scores highlight companies with specific traits.

Currently, both U.S. Bancorp and BNY are holding a Zacks Rank of #2 (Buy). This system places an emphasis on companies that have seen positive earnings estimate revisions, so investors should feel comfortable knowing that these stocks have improving earnings outlooks. However, value investors will care about much more than just this.

Value investors are also interested in a number of tried-and-true valuation metrics that help show when a company is undervalued at its current share price levels.

Our Value category highlights undervalued companies by looking at a variety of key metrics, including the popular P/E ratio, as well as the P/S ratio, earnings yield, cash flow per share, and a variety of other fundamentals that have been used by value investors for years.

USB currently has a forward P/E ratio of 12.32, while BNY has a forward P/E of 17.16. We also note that USB has a PEG ratio of 1.08. This popular figure is similar to the widely-used P/E ratio, but the PEG ratio also considers a company's expected EPS growth rate. BNY currently has a PEG ratio of 1.10.

Another notable valuation metric for USB is its P/B ratio of 1.64. The P/B ratio is used to compare a stock's market value with its book value, which is defined as total assets minus total liabilities. For comparison, BNY has a P/B of 2.63.

These are just a few of the metrics contributing to USB's Value grade of B and BNY's Value grade of F.

Both USB and BNY are impressive stocks with solid earnings outlooks, but based on these valuation figures, we feel that USB is the superior value option right now.

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U.S. Bank has introduced a tool to help small businesses move money faster.

Enhanced Payments, announced Wednesday (July 8), is offered through the bank’s mobile app and online banking platform and designed to help businesses save time and lower costs.

“Businesses can complete international wires digitally rather than at a branch and move money quickly with convenient options such as same-day ACH and instant payments,” U.S. Bank said in a news release provided to PYMNTS.

“With lower per-transaction fees, secure anytime/anywhere access, and multiple payment options – including ACH, wires, and instant payments – the bundled solution gives business owners more control and clarity over their cash flow.”

The release adds that the launch is part of a larger strategy by the bank to provide improved solutions for business owners, letting them monitor their accounts, move money, and conduct other activities from a single digital interface.

In addition to Enhanced Payments, U.S. Bank is debuting features for all online banking business users. These updates include transaction limits designed for growing small businesses and tools to help owners pick the money movement option that best works for them.

“By integrating advanced money movement capabilities directly into online banking, we’re helping clients move money quickly and conveniently,” said Shruti Patel, chief product officer for business banking at U.S. Bank.

“This solution not only saves time and reduces costs, but it also gives business owners the flexibility and clarity they need to manage payments with confidence as they grow.”

The launch comes as American small and medium-sized businesses (SMBs) are facing some of the same responsibilities as their larger counterparts, as PYMNTS wrote last week.

“As international sourcing becomes routine rather than exceptional, America’s small businesses are inheriting enterprise finance responsibilities ranging from foreign exchange management to supplier liquidity and cross-border cash flow,” that report said.

Research from the PYMNTS Intelligence/Mastercard collaboration “The Cross-Border Opportunity: What Global Sourcing by US SMBs Means for Payment Providers” showed 57% of SMBs now buying goods or production inputs from overseas suppliers.

In addition, close to three-quarters of firms that generate between $1 million and $10 million in annual revenue source internationally. Even among businesses taking in less than $150,000 per year, more than 40% now buy from foreign suppliers.

“The shift is redefining what modern SMB finance teams are expected to do,” PYMNTS added.

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Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

If you are looking for a stock that has a solid history of beating earnings estimates and is in a good position to maintain the trend in its next quarterly report, you should consider U.S. Bancorp (USB - Free Report) . This company, which is in the Zacks Banks - Major Regional industry, shows potential for another earnings beat.

This company has seen a nice streak of beating earnings estimates, especially when looking at the previous two reports. The average surprise for the last two quarters was 4.70%.

For the last reported quarter, U.S. Bancorp came out with earnings of $1.18 per share versus the Zacks Consensus Estimate of $1.14 per share, representing a surprise of 3.51%. For the previous quarter, the company was expected to post earnings of $1.19 per share and it actually produced earnings of $1.26 per share, delivering a surprise of 5.88%.

Price and EPS Surprise

Thanks in part to this history, there has been a favorable change in earnings estimates for U.S. Bancorp lately. In fact, the Zacks Earnings ESP (Expected Surprise Prediction) for the stock is positive, which is a great indicator of an earnings beat, particularly when combined with its solid Zacks Rank.

Our research shows that stocks with the combination of a positive Earnings ESP and a Zacks Rank #3 (Hold) or better produce a positive surprise nearly 70% of the time. In other words, if you have 10 stocks with this combination, the number of stocks that beat the consensus estimate could be as high as seven.

The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a version of the Zacks Consensus whose definition is related to change. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.

U.S. Bancorp currently has an Earnings ESP of +0.81%, which suggests that analysts have recently become bullish on the company's earnings prospects. This positive Earnings ESP when combined with the stock's Zacks Rank #2 (Buy) indicates that another beat is possibly around the corner. We expect the company's next earnings report to be released on July 16, 2026.

With the Earnings ESP metric, it's important to note that a negative value reduces its predictive power; however, a negative Earnings ESP does not indicate an earnings miss.

Many companies end up beating the consensus EPS estimate, but that may not be the sole basis for their stocks moving higher. On the other hand, some stocks may hold their ground even if they end up missing the consensus estimate.

Because of this, it's really important to check a company's Earnings ESP ahead of its quarterly release to increase the odds of success. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.

MINNEAPOLIS--(BUSINESS WIRE)--The latest quarterly U.S. Bank Freight Payment Index – Rates Edition showed truck freight rates rising considerably in April and May. Produced in collaboration with DAT Freight & Analytics, the data revealed that spot rates were up 31.29% in May compared with a year earlier, reflecting a significant acceleration over the past several months. Contract rates increased 9% year over year. Spot rates increased from $1.89 per mile in March to $1.95 in April and climb.