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U.S. Bancorp

USB
56
Banks - Regional · Financial Services
Also trades as: 0LHY.L GBP 0.60 (-0.43%)
Price
$59.58
-0.44 (-0.73%)
Market Cap
$92.83B
Winston Score
56
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 24, 2026 · filings through Sep 30, 2026

§How the score breaks down

Bank Quality
Good
17/30
Growth
Strong
16/20
Capital Strength
Exceptional
9/10
Asset Quality
Mixed
4/10
Valuation
Good
6/10
Ownership
Weak
1/15
Dividends
Good
3/5

56 of 100 counted points = Winston Score 56.

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Share count rising — dilution

+4.4% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 1.49B (2021) → 1.56B (2025)

§Winston Score History

The full picture

U.S. Bancorp is one of the largest banks in the United States, operating under the U.S. Bank brand. It offers everyday banking services like checking accounts, savings accounts, mortgages, and credit cards to regular people, as well as loans and financial services to businesses. It also runs a large payments division that processes transactions for merchants and corporations.

The company makes money through interest on loans, fees on banking services, and payment processing revenue. U.S. Bank operates primarily across the United States, with a stronger presence in the Midwest and West, and has over 2,000 branches nationwide. Its scale and established customer relationships give it a stable competitive position, though rising interest rates and credit losses remain key risks — if borrowers struggle to repay loans during an economic downturn, the bank's profits can fall quickly.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+2.3% YoY

YoY Growth Rate

Slow revenue growth

Reported EPS Growth

+9.8% YoY

Quarterly reporting periods ended:

30 Sept 2025: $1.22

30 Sept 2026: $1.34

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$610.1B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

U.S. Bancorp is growing revenue at 2% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
11.7%
no trend
Solid — 11.7% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
2.87%
no trend
Healthy — 2.87% net interest margin
Cost of running the bank
Efficiency Ratio
55.5%
no trend
Efficient — 55.5% efficiency ratio

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Growth

Sales growth
Sales YoY
+3.4%
Slow sales growth (+3.4% YoY)
Profit growth
EPS YoY
+17.4%
Earnings growing fast (+17.4% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
12.9%
no trend
Fortress balance sheet — 12.9% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
1.65%
no trend
Some stress — 1.65% non-performing loans

Between 1% and 2% of loans are struggling. Worth watching, but not alarming.

Loans written off
Net Charge-Offs
0.55%
no trend
Rising losses — 0.55% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
11.6x
Attractive valuation — P/E 11.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+0.1
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
3.76%
Moderate income — 3.76% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+4.0%
Dividend growing modestly (4.0% YoY)
Payout Ratio
42%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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