U.S. Bancorp (USB)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a bank differently from most businesses. U.S. Bancorp is a 70,000-employee financial services holding company with banking, payments, wealth, and corporate segments. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported revenue of $7.7B, net income of $2.2B, and diluted EPS of $1.35. That compares with fiscal Q2 2025 revenue of $7.0B, net income of $1.8B, and diluted EPS of $1.11, a solid year-over-year improvement. For FY2025, revenue was $28.7B, net income $7.6B, and diluted EPS $4.62, up from $6.3B and $3.79 in FY2024. However, FY2024 revenue of $27.5B was below FY2023's $28.1B, so growth is not a straight line. FairStock calculates ROE of 12.62%, a P/E of 11.36, P/B of 1.46, PEG of 0.57, and a 3.80% dividend yield at the 2026-10-13 close of $56.89. Its Piotroski F-Score is 5/9 and FairStock Score is 65/100. The Lynch category computed is STALWART, based on 8.8% annual profit growth over five years. The price is reasonable, but not a fat bargain. What I cannot see in this data is critical for a bank: CET1 capital, net interest margin, credit-loss provisioning, nonperforming loans, and combined ratio-type measures. Without those, I can say the earnings record is respectable and the valuation undemanding, but I cannot verify the balance-sheet safety and credit discipline that ultimately determine a bank's long-term value.

In plain English: U.S. Bancorp is a large American bank that takes deposits, makes loans, and runs payment and wealth services. Its latest quarter showed more revenue and profit than a year earlier, and the company earns a solid return on shareholders' money. At $56.89, the price looks moderate compared with its profits and accounting value, neither clearly cheap nor clearly expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer