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

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

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.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Investors often turn to recommendations made by Wall Street analysts before making a Buy, Sell, or Hold decision about a stock. While media reports about rating changes by these brokerage-firm employed (or sell-side) analysts often affect a stock's price, do they really matter?

Wall Street Analysts See U.S. Bancorp (USB) as a Buy: Should You Invest?

Bank of America

Bank of New York Mellon

Citigroup

Comerica

Capital One

JPMorgan Chase & Co

M&T Bank

PNC Financial Services

Truist Financial

Wells Fargo

Zions Bancorp

Many banks have reported significantly larger unrealized securities losses in 3Q as interest rates rose in the quarter. The unrealized losses have grown so large as to be orange flags for a few banks. One of the reasons there could be new increased capital requirements is because of the large unrealized losses across the banking industry.

Q3 List Of Banks And Their Increasing Paper Losses In Their Debt Securities Portfolios

Amgen

Blackrock Inc

ConocoPhillips

Cisco Systems

Goldman Sachs

Johnson & Johnson

Coca-Cola

MetLife

Altria

Morgan Stanley

NextEra Energy

PepsiCo

Pfizer

Sempra Energy

Target

Texas Instruments

Vanguard High Dividend Yield ETF

There are 22 stocks on my high yield watchlist for November 2023. The majority of the stocks on my watchlist are undervalued based on dividend yield theory. An equally weighted portfolio of these stocks underperformed the Vanguard High Yield Dividend ETF by about 1% during the month of October.

High Yield Stock Watchlist - November 2023

U.S. Bancorp (NYSE:USB ) BancAnalysts Association of Boston Conference November 2, 2023 8:10 AM ET Company Participants Gunjan Kedia - Vice Chair, Wealth, Corporate, Commercial and Institutional Banking John Stern - Senior EVP and CFO Conference Call Participants Unidentified Analyst - Unidentified Analyst - Chris Kotowski - Oppenheimer Unidentified Analyst Please join me in welcoming U.S. Bancorp financial services company with international operations and is a parent company of U.S. Bank. It is headquartered in Minneapolis, and is the fifth largest bank in United States with 668 billion of assets, September 30th.

U.S. Bancorp (USB) BancAnalysts Association of Boston Conference Transcript

MINNEAPOLIS--(BUSINESS WIRE)--During the third quarter, the amount spent to ship goods via truck freight was down 12.5% compared to a year prior while the volume of shipments was off 9.7%, according to the U.S. Bank Freight Payment Index. Spending fell 4.2% and shipments declined 3.4% from the second quarter to the third quarter of 2023. This marks the fifth consecutive quarter that both truck freight spending and volume have declined. “This quarter's Freight Payment Index results confirm that.

U.S. Bank Freight Payment Index: Truck freight spending, volume drop for fifth consecutive quarter

Warren Buffett has run absolute circles around the benchmark S&P 500 since becoming Berkshire Hathaway's CEO in 1965. Thanks to an acquisition that occurred in 1998, Buffett's company owns a specialty investment firm that oversees $690 million of invested assets -- i.e.

Warren Buffett's $690 Million Secret Portfolio Is Buying 3 Historically Cheap Stocks

U.S. Bancorp's Series A preferred shares are on pace to pay a dividend yield of 9.1% over the next twelve months. The bank's net interest income has declined for two consecutive quarters but remains above pre-pandemic levels. U.S. Bank's loan growth has been negative, but its allowance for credit losses covers its nonperforming loans by more than six times.

U.S. Bancorp Series A Preferred: Trading At Discount With Over 9% Yield

U.S. Bancorp stock is down 26% year to date amid weakness across banking sector stocks. The bank has had to bolster its capital reserves following a big acquisition last year.

4 Things You Need to Know If You Buy U.S. Bancorp Today

U.S. Bank has introduced a tool that lets businesses offer consumer financing at point-of-sale. The lender's Avvance offering, announced Tuesday (Oct. 24) is an “embedded, multi-channel point-of-sale lending solution” for businesses.

US Bank Debuts Avvance Installment Payment Tool

Following its acquisition of MUFG Union Bank last year, U.S. Bancorp faced more stringent capital requirements. It was required to submit quarterly implementation plans and would have been subject to restrictive requirements by the end of next year.

U.S. Bancorp Investors Just Got Huge News

The article explains the features of U.S. Bancorp's Series B Preferred Stock - more specifically, the depositary shares that represent a 1/1000 interest in a share of USB.PR.H.

U.S. Bancorp: Why The Common Is Better Than The Preferreds Despite Their Higher Yield

Profits declined, but U.S. Bancorp still topped bottom-line estimates. Profits declined both sequentially and from a year ago.

Why U.S. Bancorp Stock Pulled Back Today

U.S. Bancorp (NYSE:USB ) Q3 2023 Results Conference Call October 18, 2023 8:00 AM ET Company Participants George Andersen - Investor Relations Andy Cecere - Chairman, President & CEO Terry Dolan - Vice Chair & CFO John Stern - SVP & Head of Finance Conference Call Participants Ebrahim Poonawala - Bank of America John McDonald - Autonomous Research Mike Mayo - Wells Fargo Security John Pancari - Evercore Scott Siefers - Piper Sandler Erika Najarian - UBS Gerard Cassidy - RBC Vivek Juneja - JPMorgan Matt O'Connor - Deutsche Bank Ken Usdin - Jefferies Operator Welcome to the U.S. Bancorp Third Quarter 2023 Earnings Conference Call. Following review of the results, there will be a question-and-answer session.

U.S. Bancorp (USB) Q3 2023 Earnings Call Transcript

U.S. Bancorp (USB) records higher expenses in the third quarter of 2023.

U.S. Bancorp's (USB) Q3 Earnings Beat as Revenues Improve Y/Y

The headline numbers for U.S. Bancorp (USB) give insight into how the company performed in the quarter ended September 2023, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

U.S. Bancorp (USB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

U.S. Bancorp (USB) came out with quarterly earnings of $1.05 per share, beating the Zacks Consensus Estimate of $1.04 per share. This compares to earnings of $1.18 per share a year ago.

U.S. Bancorp (USB) Q3 Earnings Top Estimates

Net interest income is being helped by the Federal Reserve's aggressive pace of rate hikes.

U.S. Bancorp Posts Solid Earnings

MINNEAPOLIS--(BUSINESS WIRE)--U.S. Bancorp Reports Third Quarter 2023 Results.

U.S. Bancorp Reports Third Quarter 2023 Results

U.S. Bancorp's USB, +6.63% stock was up 5.9% after the bank said in a filing that the U.S. Federal Reserve is not requiring it to meet Category II banking requirements by Dec. 31, 2024 under the Dodd-Frank banking law.

U.S. Bancorp's stock rallies on release of Fed banking requirement

U.S. Bancorp's (USB) Q3 performance is likely to have been affected by muted loan demand, higher expenses, increasing reserves and declining mortgage banking revenues.

Is a Beat in Store for U.S. Bancorp (USB) in Q3 Earnings?

Ally Financial

KeyCorp

Regions Financial

The third-quarter earnings-reporting season got off to a very solid start on Friday, as four leading mega-cap money center banks posted stellar results.

Top Financials Blew Out Q3 Earnings on Friday: 6 Banks That Pay Huge Dividends May Do the Same This Week

AGNC Investment

PennantPark Floating Rate Capital

Buying and holding dividend stocks is one of the most successful long-term investing strategies on Wall Street. Three top-notch financial stocks, with yields ranging from 6% to 16.1%, have company-specific catalysts and long-term macroeconomic tailwinds working in their favor.

Want $2,000 in Annual Dividend Income? Invest $17,650 Into the Following 3 Ultra-High-Yield Financial Stocks

Rising interest rates have boosted earnings for U.S. banks in recent quarters. But their upcoming third-quarter earnings reports likely will disclose how that past boon has morphed into a burgeoning barrier to growth.

Rising Rates Turn From Friend to Foe for U.S. Banks

U.S. Bancorp (USB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Analysts Estimate U.S. Bancorp (USB) to Report a Decline in Earnings: What to Look Out for

Broadcom

Best Buy

Home Depot

Kroger

Nexstar Media Group

Schwab US Dividend Equity ETF

Toronto-Dominion Bank

Tractor Supply

Visa

Many companies are showing up as bargains right now, I cover my five favorites. Utilities may not be as good of a bargain as they seem, as their dividend yields are influenced by interest rates. Retailers and banks are showing up as potential bargains, but investors should be cautious and consider the risks associated with these industries.

News for U.S. Bancorp Stock (USB)