USB · US Bancorp De
$62.40
-0.40 (-0.64%)
At close · Aug 27
Market Cap
$97.85B
Shares
1.56B
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$62.40
Open$62.00
Day$61.81–62.56
52W close$45.28–65.42
Avg vol 30d7.1M
Short int25.3M · 1.6% float · 4.4d
Short vol64%
Last earningsJul 16, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 15, 2026
Est · unconfirmed
· in 7 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.5 · calm
Equity put/call 0.39
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+11%
above
Price vs 50-day avg
−0%
below
RSI (14)
45
neutral
MACD trend
Negative
52-week position
85%
near high
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+19%
trailing
YTD return
+17%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $63 › 200d $56 — 50d above 200d
Institutional flow
Accumulating
+4% holders QoQ · +194 funds added
Insider flow
Distributing
Net -$3.8M over 90 days · 100% sells
Short interest
Falling
1.63% of float · ▼ -5.1% MoM · 4.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
2,059 holders — near 3-yr high, broad support
Squeeze score
45
elevated · 0–100
Fundamentals
Revenue growth
+4%
Y/Y
EPS growth
+22%
Y/Y
Valuation
P/E 12.5
below peers
Buyback
$5.0B
authorized
Balance sheet
$69.7B
net debt
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
1.7%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 16, 2026
3Q26
Total noninterest expense
Non-GAAP
Initiated
6% – 7%
Total noninterest expense
Initiated
12% – 14%
Net interest income
Initiated
4% – 6%
FY 2026
Total net revenue
Initiated
7% – 9%
Prior guidance
period ended
· from the 8-K filed Jul 17, 2025
Total noninterest expense
· 3Q25
$4.1B – $4.2B
Guided vs delivered
· last 1 settled
Total revenue, as adjusted
second quarter of 2023
guided $7.1B – $7.3B
$7.18B
In line
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+11%
Bullish
Price vs 50-day avg
−0%
Neutral
RSI (14)
45
Neutral
MACD trend
Negative
Bearish
52-week position
85%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $63 › 200d $56 — 50d above 200d
Institutional flow
Accumulating
+4% holders QoQ · +194 funds added
Insider flow
Distributing
Net -$3.8M over 90 days · 100% sells
Short interest
Falling
1.63% of float · ▼ -5.1% MoM · 4.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
2,059 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $45
Now $62 · 85%
Range high $65
vs 200-day avg +11%
vs 50-day avg 0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| # of branches | 2,061 | Three Months Ended June 30, 2026 | — |
| # of merchant transactions | 2.26B | Three Months Ended June 30, 2026 | — |
| # of U.S. Bank ATMs | 4,457 | Three Months Ended June 30, 2026 | — |
| Accruing loans 90 days or more past due | $735M | second quarter of 2026 | — |
| Adjusted Efficiency Ratio non-GAAP | 57.1% | 2Q26 | — |
| Allowance for credit losses | $7.98B | second quarter of 2026 | — |
| Allowance for credit losses as a percentage of period-end loans | 1.94% | second quarter of 2026 | — |
| Allowance for credit losses to nonperforming loans | 612% | Jun 30 2026 | — |
| Assets Under Management - Equity | $100.87B | June 30, 2026 | — |
| Assets Under Management - Fixed income | $234.59B | June 30, 2026 | — |
| Assets Under Management - Money market | $219.74B | June 30, 2026 | — |
| Assets Under Management - Other | $26.54B | June 30, 2026 | — |
| Assets Under Management - Total | $581.73B | June 30, 2026 | — |
| Average earning assets | $629B | second quarter of 2026 | — |
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| Average interest-bearing liabilities | $519.91B | second quarter of 2026 | — |
| Average loans | $405.48B | second quarter of 2026 | — |
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| Average total deposits | $515.08B | 2Q26 | — |
| Average total loans | $405.48B | 2Q26 | — |
| Basel III standardized CET1 (%) | 10.8% | 2Q26 | — |
| Book value per common share (period end) | $38.91 | 2Q26 | — |
| CET1 Capital Ratio | 10.8% | 2Q26 | — |
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| Common Equity Tier 1 Capital Ratio, including AOCI non-GAAP | 9.4% | 2Q26 | — |
| Common equity to assets | 8.4% | Jun 30 2026 | — |
| Common shares outstanding | 1.56B | June 30, 2026 | — |
| Corporate payment products volume | $25.23B | Three Months Ended June 30, 2026 | — |
| Credit card payment volume | $41B | Three Months Ended June 30, 2026 | — |
| Debit card payment volume | $28.31B | Three Months Ended June 30, 2026 | — |
| Direct branch loan/line production volume | $2.17B | Three Months Ended June 30, 2026 | — |
| Efficiency ratio (%) non-GAAP | 57.1% | 2Q26 | — |
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| Efficiency ratio (Consumer and Business Banking) | 63.6% | Three Months Ended June 30, 2026 | — |
| Efficiency ratio (Wealth, Corporate, Commercial and Institutional Banking) | 42.5% | Three Months Ended June 30, 2026 | — |
| Efficiency ratio, excl. BTIG impact non-GAAP | 56.7% | 2Q26 | — |
| Ending shares outstanding | 1.56B | second quarter of 2026 | — |
| Fee Revenue Growth vs. 2Q25 | 13.2% | 2Q26 | — |
| Indirect loan/lease production volume | $2.2B | Three Months Ended June 30, 2026 | — |
| Leverage ratio | 8.9% | Jun 30 2026 | — |
| Merchant volume | $155.93B | Three Months Ended June 30, 2026 | — |
| Mortgage application volume | $14.8B | Three Months Ended June 30, 2026 | — |
| Mortgage deposits | 5B | 2Q26 | — |
| Mortgage production volume | $10.61B | Three Months Ended June 30, 2026 | — |
| Mortgages serviced for others | $215.07B | Three Months Ended June 30, 2026 | — |
| Net charge-off ratio | 0.53% | second quarter of 2026 | — |
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| Net charge-offs | $536M | the second quarter of 2026 | — |
| Net Interest Income Growth vs. 2Q25 non-GAAP | 7.5% | 2Q26 | — |
| Net interest margin | 2.77% | first quarter of 2026 | — |
| Net interest margin (Consumer and Business Banking) | 5.02% | Three Months Ended June 30, 2026 | — |
| Net interest margin (Wealth, Corporate, Commercial and Institutional Banking) | 3.38% | Three Months Ended June 30, 2026 | — |
| Net interest margin without taxable-equivalent increments | 2.76% | Three Months Ended June 30, 2026 | — |
| Nonperforming assets | $1.35B | second quarter of 2026 | — |
| Nonperforming assets to loans plus ORE | 0.33% | second quarter of 2026 | — |
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| Operating leverage non-GAAP | 4% | Three Months Ended June 30, 2026 | — |
| Payment Services revenue | $1.8B | 2Q26 | — |
| Positive Operating Leverage vs. 2Q25 non-GAAP | 400 | 2Q26 | — |
| Prepaid card payment volume | $1.96B | Three Months Ended June 30, 2026 | — |
| Provision for credit losses | $538M | second quarter of 2026 | — |
| Return on average assets (%) | 1.26% | 2Q26 | — |
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| Return on average assets (Consumer and Business Banking) | 1.5% | Three Months Ended June 30, 2026 | — |
| Return on average assets (Wealth, Corporate, Commercial and Institutional Banking) | 2.29% | Three Months Ended June 30, 2026 | — |
| Return on average common equity (%) | 14% | 2Q26 | — |
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| Return on tangible common equity (%) non-GAAP | 18.7% | 2Q26 | — |
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| Risk-weighted assets, determined in accordance with prescribed regulatory capital requirements e | $496.49B | June 30, 2026 | — |
| Tangible book value per common share (period end) non-GAAP | $30.04 | 2Q26 | — |
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| Tangible common equity non-GAAP | $46.81B | June 30, 2026 | — |
| Tangible common equity to risk-weighted assets non-GAAP | 9.4% | June 30, 2026 | — |
| Tangible common equity to tangible assets non-GAAP | 6.6% | June 30, 2026 | — |
| Tier 1 capital ratio | 12.2% | Jun 30 2026 | — |
| Total noninterest expense, excluding notable items and BTIG noninterest expense non-GAAP | $4.34B | 2Q26 | — |
| Total retail credit production volume | $6.37B | Three Months Ended June 30, 2026 | — |
| U.S. Bank Smartly deposits | 84B | 2Q26 | — |
| 90+ day delinquency | 0.21% | 1Q26 | — |
| Allowance for Credit Losses / Period-end Loans | 2% | 1Q26 | — |
| Allowance for credit losses as a percentage of nonperforming loans | 536% | Mar 31 2026 | — |
| Book value per share | $37.93 | 1Q26 | — |
| CET1 Ratio non-GAAP | 9.3% | 1Q26 | — |
| Commercial NCO Ratio | 0.33% | 1Q26 | — |
| Commercial Real Estate NCO Ratio | -0.07% | 1Q26 | — |
| Common equity tier 1 capital ratio | 10.8% | Q1 2026 | — |
| Credit Card NCO Ratio | 3.96% | 1Q26 | — |
| Earnings returned | $1.09B | 1Q26 | — |
| Fee Revenue Growth (YoY) | 6.9% | 1Q26 | — |
| Other Retail NCO Ratio | 0.69% | 1Q26 | — |
| Positive Operating Leverage vs. 1Q25 non-GAAP | 440 | 1Q26 | — |
| Residential Mortgage NCO Ratio | 0% | 1Q26 | — |
| Revolving Line Utilization | 25.7% | 1Q26 | — |
| Total risk-based capital ratio | 14.2% | 1Q26 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
USB
this stock
US Bancorp De
|
$97.85B | +16.9% | +4.4% | 12.5 | 1.6% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +42.6% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -38.5% | +15.2% | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$110.04B | +26.1% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.2% | — | — | 0.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| USB | +1.0% | -0.8% | +19.2% | -1.0% | +16.9% |
| SPY | +1.1% | +4.0% | +14.7% | +3.2% | +13.1% |
| vs SPY | -0.1% | -4.8% | +4.5% | -4.2% | +3.9% |
Capital returns
Latest dividend
$0.52
/ share · ex Jun 30, 2026
Paid (TTM)
$2.08
/ share · 4 payouts
Dividend yield (TTM, derived)
3.33%
Buyback program
· as of Jul 16, 2026
Authorized
$5.00B
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
36104
CUSIP
902973304
13F (30d)
1349 filings
1304 filers
Visit website
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