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USB

Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.

Research, not advice.

À propos

U.S. Bancorp

Nom
U.S. Bancorp
Secteur
Financial Services
Industrie
Banks - Regional
Bourse
NYSE
Capitalisation
$92.8B
Employés
70,000
PDG
Gunjan Kedia
Site web
https://www.usbank.com
Marché
CFGFITBHBANKEYMTBPNC

U.S. Bancorp (USB) functions as a broad-based financial services holding company, delivering a comprehensive spectrum of banking and financial solutions throughout the United States. Its diverse customer base includes individual consumers, various businesses, institutional organizations, governmental bodies, and other financial entities. The company organizes its operations across key segments: Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support. Its offerings encompass fundamental depository services such as checking accounts, savings accounts, and time certificates. U.S. Bancorp also extends a variety of credit facilities, including traditional lending products, credit card services, lease financing, support for import/export trade, asset-backed lending, and agricultural finance. Furthermore, it provides supplementary services like capital markets access, treasury management, and receivable lock-box collection for its corporate and governmental clients. The firm also offers a full suite of asset management and fiduciary services designed for individuals, estates, foundations, corporations, and charitable organizations. Beyond these, the company supplies investment and insurance products, predominantly to customers within its operating regions, and delivers fund administration services to a range of mutual and other investment funds. Its portfolio also includes corporate and purchasing card services, corporate trust management, and merchant processing. U.S. Bancorp's capabilities additionally span investment management, ATM network operation, mortgage banking, insurance provision, brokerage activities, and leasing services. As of December 31, 2021, the company distributed its products and services through a physical network of 2,230 banking branches, mainly concentrated in the Midwest and Western United States. Digital access was also extensively provided via online platforms, mobile devices, and other electronic channels. Additionally, it managed a network of 4,059 ATMs. Founded in 1863, U.S. Bancorp is headquartered in Minneapolis, Minnesota.

Price (1 year)

Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.

Decouvert par les declarations du Congres

Insiders
—
Total bought
—

Avg buy (VWAP, 90d window) —

Total sold
$1,700,670

Avg sell (VWAP, 90d window) $62.37 vs last close —

Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.

Last activity
—
Last synced
2026-10-06 10:56:08 Synced via automated research pipeline

Sign in to request a sync of this company's price history and timing levels.

Insider holdings as a share of total assets aren't available for this company.

Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.

Recent Form 4

Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.

Date Person Side Shares Price Value Form 4
2026-08-28 Kedia Gunjan Sell · S 27,267 $62.37 $1,700,670 Form 4

Congressional trades

STOCK Act disclosures (90-day window)

Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.

No STOCK Act disclosures for this company in this window.

Recent trades

DateRepresentativeTypeAmount
2026-06-02Ro KhannaPurchase$1,001 - $15,000
2026-04-13Ro KhannaPurchase$1,001 - $15,000
2025-09-26Gilbert Ray CisnerosSale (Full)$1,001 - $15,000
2025-09-23Val HoyleSale (Full)$1,001 - $15,000
2025-09-05Ro KhannaSale$1,001 - $15,000
2025-06-13Ro KhannaPurchase$1,001 - $15,000
2025-03-10Carol Devine MillerSale (Full)$15,001 - $50,000
2025-03-10Carol Devine MillerSale (Full)$1,001 - $15,000
2024-10-29Val HoylePurchase$1,001 - $15,000
2024-09-26Ritchie TorresPurchase$1,001 - $15,000
2024-09-09Ro KhannaPurchase$1,001 - $15,000
2024-04-11Mike KellySale (Full)$1,001 - $15,000
2023-11-03Ro KhannaPurchase$1,001 - $15,000
2023-10-02Ro KhannaPurchase$1,001 - $15,000
2023-08-29Ro KhannaSale$1,001 - $15,000
2023-07-28Ro KhannaPurchase$1,001 - $15,000
2023-07-12Daniel GoldmanSale (Full)$15,001 - $50,000
2023-06-28Ro KhannaSale$1,001 - $15,000
2023-06-26Ro KhannaSale$1,001 - $15,000
2023-06-22Ro KhannaPurchase$15,001 - $50,000
2023-05-26Zoe LofgrenSale (Full)$1,001 - $15,000
2023-05-19Ro KhannaPurchase$15,001 - $50,000
2023-05-16Ro KhannaPurchase$1,001 - $15,000
2023-05-05Neal Patrick DunnPurchase$1,001 - $15,000
2023-04-20Ro KhannaPurchase$1,001 - $15,000
2023-04-10Daniel GoldmanPurchase$15,001 - $50,000
2023-03-24Ro KhannaPurchase$1,001 - $15,000
2023-03-14Michael K. SimpsonPurchase$15,001 - $50,000
2023-03-14Ro KhannaSale$15,001 - $50,000
2023-03-06Daniel GoldmanSale (Partial)$1,001 - $15,000
2023-01-31Daniel GoldmanPurchase$1,001 - $15,000
2023-01-11Ro KhannaPurchase$1,001 - $15,000
2023-01-09Ro KhannaPurchase$1,001 - $15,000
2022-12-06Ro KhannaPurchase$1,001 - $15,000
2022-11-16Diana HarshbargerSale$1,001 - $15,000
2022-11-15Diana HarshbargerSale$1,001 - $15,000
2022-11-14Diana HarshbargerSale$1,001 - $15,000
2022-11-04Diana HarshbargerSale$1,001 - $15,000
2022-11-03Ro KhannaSale$1,001 - $15,000
2022-10-07Diana HarshbargerPurchase$1,001 - $15,000
2022-09-29Ro KhannaSale$1,001 - $15,000
2022-08-23Ro KhannaPurchase$1,001 - $15,000
2022-08-15Neal Patrick DunnPurchase$15,001 - $50,000
2022-08-01Ro KhannaPurchase$1,001 - $15,000
2022-07-19Ro KhannaPurchase$1,001 - $15,000
2022-06-17Ro KhannaPurchase$1,001 - $15,000
2022-06-16Ro KhannaSale$15,001 - $50,000
2022-05-23Ro KhannaPurchase$15,001 - $50,000
2022-05-10Ro KhannaSale$15,001 - $50,000
2022-04-13Ro KhannaPurchase$1,001 - $15,000
2022-04-11Ro KhannaSale$15,001 - $50,000
2022-03-14Earl BlumenauerSale (Full)$1,001 - $15,000
2022-02-24Earl BlumenauerPurchase$1,001 - $15,000
2022-02-17John Henry RutherfordSale (Full)$1,001 - $15,000
2021-11-18Peter WelchSale (Full)$15,001 - $50,000
2021-06-02Lois FrankelSale (Full)$1,001 - $15,000
2021-05-27Lois FrankelSale (Partial)$1,001 - $15,000
2021-05-26Lois FrankelSale (Partial)$1,001 - $15,000
2021-05-19Lois FrankelSale (Partial)$1,001 - $15,000
2021-02-16Peter MeijerSale (Full)$1,001 - $15,000
2020-12-22Gilbert Ray CisnerosSale (Partial)$1,001 - $15,000
2020-10-28Lois FrankelSale (Partial)$1,001 - $15,000
2020-09-16Gilbert Ray CisnerosPurchase$1,001 - $15,000
2020-08-04Earl BlumenauerSale (Partial)$1,001 - $15,000
2020-07-28Carol Devine MillerPurchase$15,001 - $50,000
2020-06-10Ed PerlmutterSale (Partial)$1,001 - $15,000
2020-05-13Dean PhillipsSale (Partial)$1,001 - $15,000
2020-04-29Gilbert Ray CisnerosPurchase$1,001 - $15,000
2020-04-09Ed PerlmutterSale (Partial)$1,001 - $15,000
2020-04-02Dean PhillipsSale (Partial)$1,001 - $15,000
2020-03-18Gilbert Ray CisnerosSale (Full)$1,001 - $15,000
2020-03-10John YarmuthSale (Partial)$1,001 - $15,000
2020-02-20Mikie SherrillSale (Full)$1,001 - $15,000
2019-07-22Bryan SteilSale (Full)$1,001 - $15,000
2019-07-12Bryan SteilSale (Full)$1,001 - $15,000
2019-06-11Peter WelchSale (Full)$1,001 - $15,000
2019-05-09Peter WelchSale (Partial)$1,001 - $15,000
2019-04-09Ed PerlmutterSale (Partial)$15,001 - $50,000
2019-01-04Dean PhillipsPurchase$1,001 - $15,000
2018-12-11Earl BlumenauerPurchase$1,001 - $15,000
2018-08-30Zoe LofgrenSale (Full)$1,001 - $15,000
2018-01-29John Henry RutherfordPurchase$1,001 - $15,000
2017-07-17John Henry RutherfordPurchase$1,001 - $15,000

Signal

Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.

USB presents a moderate catalyst (legislation rumor around Fed asset thresholds) with reasonable confidence (0.65), but the severely impaired liquidity profile — current ratio ~0.25 and interest coverage below 1x —…

The first sentence of the analysis written for USB on 2026-10-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.

Neutral signal Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.

Factor checklist — research, not advice

A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.

  • Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
  • Congress Supports a bullish reading. 2 purchase disclosures year to date
  • Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
  • Timing Unavailable or mixed. No stored price series
  • Financial indicators Unavailable or mixed. Current ratio 0.26 · operating margin 22% — readings disagree

Market snapshot

Financial ratios

MetricTrend2025-12-312024-12-312023-12-312022-12-312021-12-31
Gross Profit Margin62.8%58.8%63.4%81.0%100.8%
Ebit Margin22.2%18.5%16.9%26.6%42.9%
Ebitda Margin24.0%20.7%19.4%28.7%45.0%
Operating Profit Margin22.2%18.5%16.9%26.6%42.9%
Pretax Profit Margin22.2%18.5%16.9%26.6%42.9%
Continuous Operations Profit Margin17.7%14.8%13.4%21.3%33.7%
Net Profit Margin17.7%14.7%13.4%21.3%33.6%
Bottom Line Profit Margin16.8%13.8%12.4%20.1%32.1%
Current Ratio0.2550.2830.2630.2440.371
Quick Ratio0.2550.2830.2630.2440.371
Solvency Ratio0.0130.0120.0110.0100.016
Cash Ratio0.0870.1060.1160.0960.062
Price To Earnings Ratio11.55012.62013.23511.81810.992
Price To Earnings Growth Ratio0.5270.794-1.163-0.4250.164
Forward Price To Earnings Growth Ratio0.5270.794-1.163-0.4250.164
Price To Earnings Diluted Ratio11.57512.62013.23511.81811.014
Price To Earnings Diluted Growth Ratio0.5350.794-1.163-0.4270.165
Price To Book Ratio1.2731.2741.2071.2791.523
Price To Sales Ratio1.9361.7471.6442.3703.527
Price To Free Cash Flow Ratio10.4116.6197.9063.0758.474
Price To Operating Cash Flow Ratio10.4116.6197.9063.0758.474
Debt To Assets Ratio0.1130.1080.1010.1050.077
Debt To Equity Ratio1.1951.2551.2071.3990.800
Debt To Capital Ratio0.5440.5570.5470.5830.444
Long Term Debt To Capital Ratio0.4820.4980.4820.4400.369
Financial Leverage Ratio10.62011.58011.99713.29210.439
Working Capital Turnover Ratio-0.109-0.111-0.100-0.077-0.091
Operating Cash Flow Ratio0.0150.0210.0160.0380.021
Operating Cash Flow Sales Ratio0.1860.2640.2080.7710.416
Free Cash Flow Operating Cash Flow Ratio1.0001.0001.0001.0001.000
Debt Service Coverage Ratio0.2660.2350.2320.1860.663
Interest Coverage Ratio0.6650.5140.5442.27010.238
Short Term Operating Cash Flow Coverage Ratio0.4640.7260.5530.6770.837
Operating Cash Flow Coverage Ratio0.1020.1530.1270.2970.225
Capital Expenditure Coverage Ratio0.0000.0000.0000.0000.000
Dividend Paid And Capex Coverage Ratio2.2763.2692.5516.8683.419
Dividend Payout Ratio0.4620.5470.6100.5280.363
Enterprise Value Multiple11.07910.3569.17810.4879.252

Sparkline shows each ratio oldest → newest (left → right).

How the latest year compares

For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower

MetricCurrentvs 1Y agovs 5Y avg
Gross Profit Margin 62.8% ▲4.1% ▼-10.5%
Ebit Margin 22.2% ▲3.7% ▼-3.2%
Ebitda Margin 24.0% ▲3.3% ▼-3.5%
Operating Profit Margin 22.2% ▲3.7% ▼-3.2%
Pretax Profit Margin 22.2% ▲3.7% ▼-3.2%
Continuous Operations Profit Margin 17.7% ▲2.9% ▼-2.5%
Net Profit Margin 17.7% ▲2.9% ▼-2.5%
Bottom Line Profit Margin 16.8% ▲2.9% ▼-2.3%
Current Ratio 0.255 ▼-0.028 ▼-0.028
Quick Ratio 0.255 ▼-0.028 ▼-0.028
Solvency Ratio 0.013 ▲0.002 ▲0.001
Cash Ratio 0.087 ▼-0.019 ▼-0.006
Price To Earnings Ratio 11.550 ▼-1.070 ▼-0.493
Price To Earnings Growth Ratio 0.527 ▼-0.266 ▲0.548
Forward Price To Earnings Growth Ratio 0.527 ▼-0.266 ▲0.548
Price To Earnings Diluted Ratio 11.575 ▼-1.045 ▼-0.478
Price To Earnings Diluted Growth Ratio 0.535 ▼-0.259 ▲0.554
Price To Book Ratio 1.273 ▼-0.001 ▼-0.038
Price To Sales Ratio 1.936 ▲0.189 ▼-0.309
Price To Free Cash Flow Ratio 10.411 ▲3.792 ▲3.114
Price To Operating Cash Flow Ratio 10.411 ▲3.792 ▲3.114
Debt To Assets Ratio 0.113 ▲0.004 ▲0.012
Debt To Equity Ratio 1.195 ▼-0.060 ▲0.024
Debt To Capital Ratio 0.544 ▼-0.012 ▲0.009
Long Term Debt To Capital Ratio 0.482 ▼-0.015 ▲0.028
Financial Leverage Ratio 10.620 ▼-0.960 ▼-0.966
Working Capital Turnover Ratio -0.109 ▲0.001 ▼-0.012
Operating Cash Flow Ratio 0.015 ▼-0.006 ▼-0.007
Operating Cash Flow Sales Ratio 0.186 ▼-0.078 ▼-0.183
Free Cash Flow Operating Cash Flow Ratio 1.000 0.000 0.000
Debt Service Coverage Ratio 0.266 ▲0.031 ▼-0.051
Interest Coverage Ratio 0.664 ▲0.150 ▼-2.182
Short Term Operating Cash Flow Coverage Ratio 0.464 ▼-0.262 ▼-0.187
Operating Cash Flow Coverage Ratio 0.102 ▼-0.051 ▼-0.079
Capital Expenditure Coverage Ratio 0.000 0.000 0.000
Dividend Paid And Capex Coverage Ratio 2.276 ▼-0.994 ▼-1.401
Dividend Payout Ratio 0.462 ▼-0.085 ▼-0.040
Enterprise Value Multiple 11.079 ▲0.722 ▲1.008

Key metrics

MetricTrend20252024202320222021
Market cap$82.97B$74.61B$66.78B$64.94B$83.64B
Enterprise value$114.01B$91.63B$72.35B$82.44B$98.65B
EV / Sales2.66x2.15x1.78x3.01x4.16x
EV / Op. cash flow14.30x8.13x8.56x3.90x9.99x
EV / Free cash flow14.30x8.13x8.56x3.90x9.99x
EV / EBITDA11.08x10.36x9.18x10.49x9.25x
Net debt / EBITDA3.02x1.92x0.71x2.23x1.41x
Current ratio0.26x0.28x0.26x0.24x0.37x
Income quality1.05x1.79x1.56x3.63x1.24x
Graham number$68$58$53$55$67
Graham net-net-$314-$301-$305-$329-$233
Tax burden79.6%79.6%79.1%79.8%78.3%
Interest burden100.0%100.0%100.0%100.0%100.0%
Working capital-$401.65B-$382.69B-$388.69B-$420.52B-$294.20B
Invested capital-$380.34B-$361.04B-$366.50B-$397.13B-$276.90B
Return on assets1.1%0.9%0.8%0.9%1.4%
Operating ROA1.4%1.2%1.0%1.2%1.8%
Return on tangible assets1.1%1.0%0.8%0.9%1.4%
Return on equity11.6%10.8%9.8%11.5%14.5%
Return on invested capital4.5%4.0%3.6%3.9%6.8%
Return on capital employed6.2%5.5%5.1%6.2%9.6%
Earnings yield9.1%8.4%8.1%9.0%9.5%
Free cash flow yield9.6%15.1%12.6%32.5%11.8%
Capex / Op. cash flow0.0%0.0%0.0%0.0%0.0%
Capex / Depreciation0.0%0.0%0.0%0.0%0.0%
Capex / Sales0.0%0.0%0.0%0.0%0.0%
SG&A / Sales29.3%26.2%27.4%35.1%38.3%
R&D / Sales0.0%0.0%0.0%0.0%0.0%
Stock comp / Sales0.0%0.0%0.0%0.0%0.0%
Intangibles / Total assets2.5%2.7%2.8%2.9%2.4%
Days sales outstanding0d71d75d134d190d
Days payables outstanding0d0d0d0d0d
Operating cycle0d71d75d134d190d
Cash conversion cycle0d71d75d134d190d

Change by theme

Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.

Change over 1 year

Valuation
Market cap ▲+11.2%EV / Sales ▲+24.0%EV / EBITDA ▲+7.0%EV / Op. cash flow ▲+6.176Earnings yield ▲+0.007Graham number ▲+9.385
Profitability
Return on equity ▲+0.009Return on assets ▲+0.002Return on invested capital ▲+0.005Return on capital employed ▲+0.007Operating ROA ▲+0.002Income quality ▼-0.737Tax burden -0.000
Efficiency
Days sales outstanding ▼-70.672Days payables outstanding n/aOperating cycle ▼-70.672Cash conversion cycle ▼-70.672Capex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.028Net debt / EBITDA ▲+1.092Working capital ▼-18956000000.000Invested capital ▼-19297000000.000Intangibles / Total assets ▼-0.001

Change over 5 years

Valuation
Market cap ▼-0.8%EV / Sales ▼-36.1%EV / EBITDA ▲+19.7%EV / Op. cash flow ▲+4.310Earnings yield ▼-0.004Graham number ▲+1.174
Profitability
Return on equity ▼-0.029Return on assets ▼-0.003Return on invested capital ▼-0.023Return on capital employed ▼-0.034Operating ROA ▼-0.004Income quality ▼-0.187Tax burden ▲+0.013
Efficiency
Days sales outstanding ▼-190.350Days payables outstanding n/aOperating cycle ▼-190.350Cash conversion cycle ▼-190.350Capex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.116Net debt / EBITDA ▲+1.608Working capital ▼-107446000000.000Invested capital ▼-103444000000.000Intangibles / Total assets ▲+0.001

Employee count

Peer market caps

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