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

Capital One

Goldman Sachs

KeyCorp

Wells Fargo

We take a look at the action in preferreds and baby bonds through the second week of January and highlight some of the key themes we are watching. Preferreds enjoyed another strong week, supported by lower Treasury yields and higher stocks.

Preferreds Weekly Review: Fixed-Rate Preferreds Finally Get Some Love

Higher interest rates and decent loan demand are expected to have aided U.S. Bancorp's (USB) Q4 earnings amid weakness in fee income and higher provisions.

NII to Aid U.S. Bancorp (USB) Q4 Earnings Amid Fee Income Woes

Bank of America

Citigroup

JPMorgan Chase & Co

PNC Financial Services

Truist Financial

America's biggest banks are reportedly launching a digital wallet to take on Apple and PayPal. The banks are developing a product that will let consumers make online purchases with a wallet tied to their Visa or Mastercard debit or credit cards, The Wall Street Journal reported Monday (Jan. 30).

Big Banks to Launch Apple Pay Competitor in 2023 H2

Paramount Global

Berkshire Hathaway's investment portfolio is home to two amazing deals with yields of up to 4.9%, as well as a high-yielding stock with mounting red flags.

2 High-Yield Warren Buffett Stocks to Buy Hand Over Fist and 1 to Avoid Like the Plague

Apple

Chevron

The Oracle of Omaha has a hidden $5.9 billion portfolio that's heavily concentrated in a handful of well-known stocks.

89% of Warren Buffett's Secret Portfolio Is Invested in Just 5 Stocks

NEW YORK--( BUSINESS WIRE )--Bragar Eagel & Squire, P.C., a nationally recognized shareholder rights law firm, is investigating potential claims against U.S. Bancorp (NYSE: USB) on behalf of long-term stockholders following a class action complaint that was filed against U.S. Bancorp on October 25, 2022 with a Class Period from August 1, 2019 to July 28, 2022. Our investigation concerns whether the board of directors of U.S. Bancorp have breached their fiduciary duties to the company.

U.S. BANCORP ALERT: Bragar Eagel & Squire, P.C. is Investigating U.S. Bancorp on Behalf of Long-Term Stockholders and Encourages Investors to Contact the Firm

PHILADELPHIA , Jan. 16, 2023 /PRNewswire/ -- Investor lawyers at the Rosca Scarlato law firm are investigating alleged securities violations, corporate misconduct, and misrepresentations, as well as questionable business practices involving U.S. Bancorp. (NYSE: USB) and/or its directors and officers, following the federal regulators' allegations that the bank opened unauthorized accounts and lines of credit for unsuspecting customers.

U.S. Bancorp (NYSE: USB) Shareholder Alert: Investors May Have Potential Claims for Compensation - Rosca Scarlato Investor Lawyers

American Express

Bank of New York Mellon

Even as Buffett's company Berkshire Hathaway has ventured into other sectors, it has always invested in banks.

21% of Warren Buffett's Portfolio Is Invested In Just 5 Bank Stocks

Accenture Plc

Applied Materials

Amphenol

Costco

Graco

Home Depot

Lowe's

Mastercard

Microsoft

Northrop Grumman

Roper Technologies

Sherwin-Williams

Thermo Fisher Scientific

Texas Instruments

Visa

Vanguard Dividend Appreciation ETF

There are 17 stocks on my dividend growth watchlist for January 2023. A little more than half of the stocks on my watchlist for this month are currently undervalued based on dividend yield theory.

Dividend Growth Stock Watchlist - January 2023

Amgen

Broadcom

Cisco Systems

Intel

Medtronic

Morgan Stanley

Pfizer

Philip Morris

Pioneer Natural Resources

Vanguard High Dividend Yield ETF

Exxon Mobil

There are 15 stocks on my high yield watchlist for January 2023. The majority of the stocks on my watchlist are undervalued based on dividend yield theory.

High Yield Stock Watchlist - January 2023

Bristol-Myers

Dow Inc

Ford Motor Company

Verizon

With the markets likely to stay volatile during 2023, playing defensively remains a solid strategy to ride out this tough investing environment. One way you can implement such a strategy is by increasing your exposure to dividend-paying large-cap stocks.

7 Dividend-Paying Large-Cap Stocks to Buy in January

U.S. Bancorp offers a 4.2% Dividend Yield and West Coast expansion with the Union Bank acquisition. The higher interest rate environment increased interest income by 21%.

U.S. Bancorp: Strong Acquisitions And Partnerships Grow Core Business

Adobe

Autodesk

Amazon

Comcast

CME Group

Salesforce

Fortinet

Alphabet

Lam Research

Masco

Microchip Technology

MarketAxess Holdings

Monolithic Power Systems

ServiceNow

Palo Alto Networks

Polaris

Teradyne

Workday

West Pharmaceutical Services

Western Union

Our 3-step process focuses on wide-moat stocks (as per Morningstar's rating). We are only interested in those targets that are attractively valued in historical comparison.

U.S. Wide-Moat Stocks On Sale: The January 2023 Heat Map

Citizens Financial Group

Huntington Bancshares

Apart from strong fundamentals, the S&P 500 banks like Citi (C), Truist (TFC), U.S. Bancorp (USB), Huntington (HBAN) and Citizens Financial (CFG) have solid dividend yields, which will help income investors generate robust returns.

5 S&P 500 Banks With Solid Dividend Yield Amid Recession Risk

Alibaba

Billionaire investor and Warren Buffett's trusted lieutenant Charlie Munger -run Daily Journal has filed its quarterly 13F, disclosing its investment holdings at the end of the fourth quarter.

Alibaba, BofA And More: Charlie Munger's Top Holdings At The End Of Q4

News for U.S. Bancorp Stock (USB)