USB

Based on U.S. Bancorp's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does U.S. Bancorp do?

U.S. Bancorp is a diversified financial services holding company that provides banking, lending, payment processing, wealth management, and investment services to individuals, businesses, and government entities across the United States. It operates through segments including Consumer and Business Banking, Payment Services, and Wealth Management.

Does USB pay dividends?

Yes, U.S. Bancorp pays a regular dividend. Large-cap banks like USB have historically prioritized returning capital to shareholders through dividends, subject to regulatory capital requirements. Investors should review the current dividend rate and payout history on the company's investor relations page.

When does USB report earnings?

U.S. Bancorp reports earnings on a quarterly cadence, as is standard for US-listed banks. Exact dates vary each quarter. For the most current earnings schedule, check U.S. Bancorp's investor relations page or a financial calendar service.

Is USB a good stock to buy?

UQS Score rates USB as Below Average overall. While the Quality pillar shows relative strength and the Valuation pillar is Attractive, the Moat, Growth, and Risk pillars are all rated Weak. Whether USB fits a portfolio depends on individual goals — the full pillar breakdown is available to Pro members.

Is USB overvalued?

The UQS Valuation pillar for USB is rated Attractive, suggesting the stock does not appear expensive relative to its fundamentals. This can be relevant for income-oriented investors, though an attractive valuation alone does not offset the Weak ratings in Growth, Moat, and Risk.

How does USB compare to its competitors?

USB competes with large regional and international banks including PNC, Lloyds Banking Group, and ICICI Bank. Each operates in different geographies and regulatory environments. USB's domestic diversification across payments and wealth management is a distinguishing feature, though its moat rating suggests limited structural advantages over peers.

What is USB's market cap bracket?

U.S. Bancorp is classified as a large-cap stock, reflecting its scale as one of the largest commercial banking institutions in the United States. Large-cap banks typically offer more liquidity and stability than smaller regional peers, though growth potential may be more limited.

Who founded U.S. Bancorp?

U.S. Bancorp's origins trace back through a series of bank mergers and consolidations over many decades, with the current holding company structure established in 1973. Detailed founding history is widely available through the company's official corporate history resources.

Is USB a long-term quality investment?

As a long-term quality indicator, USB's UQS profile presents a mixed picture. The Good Quality pillar suggests reasonable operational discipline, but Weak scores in Moat, Growth, and Risk raise questions about durable competitive positioning over time. Pro members can view the complete analysis to assess long-term fit.

What is the main competitive advantage of U.S. Bancorp?

U.S. Bancorp's breadth across banking, payments, and wealth management gives it multiple revenue streams that pure-play banks lack. However, the UQS Moat pillar is rated Weak, indicating that this diversification has not yet translated into a clearly defensible competitive position relative to sector peers.

What sector does USB belong to?

USB belongs to the Financial Services sector. Within that sector, it operates primarily as a diversified bank, with additional exposure to payment processing and asset management — segments that carry different growth and risk characteristics than traditional lending alone.

Is USB a growth stock or value stock?

Based on its UQS profile, USB leans toward the value end of the spectrum. The Valuation pillar is Attractive while the Growth pillar is Weak, suggesting the stock may appeal more to income and value investors than to those seeking high earnings expansion.

U.S. Bancorp shows solid profitability with healthy returns on capital and reasonable margins.

U.S. Bancorp faces growth headwinds with declining or stagnant revenue trends.

U.S. Bancorp presents elevated risk with concerns around leverage or financial stability.

U.S. Bancorp appears attractively valued relative to its earnings, cash flows, and sector peers.

U.S. Bancorp possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for USB.

The UQS (Unified Quality Score) for U.S. Bancorp is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses U.S. Bancorp's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether U.S. Bancorp is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.