US BANCORP \DE\
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USB Q4 2025 request
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| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Revenue | 7,365 | 7,009 | +5.1% |
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| Consumer and Business Banking · Operating Segments | 2,163 | 2,280 | -5.1% |
| Payment Services · Operating Segments | 1,897 | 1,780 | +6.6% |
| Wealth, Corporate, Commercial and Institutional Banking · Operating Segments | 3,100 | 3,085 | +0.5% |
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| Corporate Non Segment | 205 | -136 | +250.7% |
| Income Before Taxes | 2,533 | 2,108 | +20.2% |
| Income Tax Expense (Benefit) | 482 | 438 | +10.0% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -15 | -13 | -15.4% |
| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 1 | 0 | — |
| Unrealized gains (losses) on investment securities transferred from available-for-sale to held-to-maturity · Reclassification Out Of Accumulated Other Comprehensive Income | -28 | -32 | +12.5% |
| Net Income | 2,045 | 1,663 | +23.0% |
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| Consumer and Business Banking · Operating Segments | 363 | 427 | -15.0% |
| Payment Services · Operating Segments | 259 | 233 | +11.2% |
| Wealth, Corporate, Commercial and Institutional Banking · Operating Segments | 1,193 | 1,285 | -7.2% |
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| Corporate Non Segment | 230 | -282 | +181.6% |
| Net Income | 2,051 | 1,670 | +22.8% |
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| Consumer and Business Banking · Operating Segments | 363 | 427 | -15.0% |
| Payment Services · Operating Segments | 259 | 233 | +11.2% |
| Wealth, Corporate, Commercial and Institutional Banking · Operating Segments | 1,193 | 1,285 | -7.2% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -45 | -39 | -15.4% |
| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 2 | -1 | +300.0% |
| Noncontrolling Interest | 6 | 7 | -14.3% |
| Parent | 2,045 | 1,663 | +23.0% |
| Retained Earnings | 2,045 | 1,663 | +23.0% |
| Unrealized gains (losses) on investment securities transferred from available-for-sale to held-to-maturity · Reclassification Out Of Accumulated Other Comprehensive Income | -84 | -90 | +6.7% |
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| Corporate Non Segment | 236 | -275 | +185.8% |
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| Reclassification Out Of Accumulated Other Comprehensive Income | -126 | -129 | +2.3% |
| Comprehensive Income | 2,806 | 645 | +335.0% |
| EPS (Basic) | 1.26 | 1.02 | +23.5% |
| EPS (Diluted) | 1.27 | 1.02 | +24.5% |
| Wtd Avg Shares (Basic) | -1 | 0 | — |
| Wtd Avg Shares (Diluted) | -1 | 0 | — |
| Provision For Loan Lease And Other Losses | 577 | 560 | +3.0% |
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| Consumer and Business Banking · Operating Segments | 76 | 80 | -5.0% |
| Payment Services · Operating Segments | 461 | 463 | -0.4% |
| Wealth, Corporate, Commercial and Institutional Banking · Operating Segments | 156 | 50 | +212.0% |
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| Corporate Non Segment | -116 | -33 | -251.5% |
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| Commercial Portfolio Segment · Commercial | 220 | 133 | +65.4% |
| Commercial Portfolio Segment · Commercial Real Estate | -42 | -29 | -44.8% |
| Consumer Portfolio Segment · Credit Card Receivables | 374 | 409 | -8.6% |
| Consumer Portfolio Segment · Other retail | 66 | 69 | -4.3% |
| Consumer Portfolio Segment · Residential mortgages | -41 | -22 | -86.4% |
| Net Income Loss Attributable To Noncontrolling Interest | -6 | -7 | +14.3% |
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| Corporate Non Segment | -6 | -7 | +14.3% |
| Noninterest Expense | 4,227 | 4,311 | -1.9% |
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| Consumer and Business Banking · Operating Segments | 1,603 | 1,630 | -1.7% |
| Payment Services · Operating Segments | 1,090 | 1,006 | +8.3% |
| Wealth, Corporate, Commercial and Institutional Banking · Operating Segments | 1,353 | 1,321 | +2.4% |
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| Corporate Non Segment | 181 | 354 | -48.9% |
| Noninterest Income | 3,053 | 2,833 | +7.8% |
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| Consumer and Business Banking · Operating Segments | 374 | 367 | +1.9% |
| Payment Services · Operating Segments | 1,102 | 1,051 | +4.9% |
| Wealth, Corporate, Commercial and Institutional Banking · Operating Segments | 1,249 | 1,151 | +8.5% |
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| Corporate Non Segment | 328 | 264 | +24.2% |
| Communications And Information Technology | 584 | 534 | +9.4% |
| Marketing And Advertising Expense | 187 | 160 | +16.9% |
| Occupancy Net | 320 | 317 | +0.9% |
| Professional Fees | 144 | 135 | +6.7% |
| Interest And Dividend Income Operating | 7,923 | 7,831 | +1.2% |
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| Unrealized gains (losses) on investment securities transferred from available-for-sale to held-to-maturity · Reclassification Out Of Accumulated Other Comprehensive Income | -112 | -122 | +8.2% |
| Interest Expense Operating | 3,639 | 3,685 | -1.2% |
| Net Income Loss Available To Common Stockholders Basic | 1,965 | 1,581 | +24.3% |
| Interest Income Expense Net | 4,284 | 4,146 | +3.3% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -60 | -52 | -15.4% |
| Other Noninterest Expense | 337 | 419 | -19.6% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax (Q) | — | — | — |
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| Interest Rate Contract · Asset and liability management positions | -27 | -509 | +94.7% |
Balance Sheet
| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Operating Lease Right-of-Use Assets | 1,195 | 1,114 | +7.3% |
| Goodwill | 12,635 | 12,536 | +0.8% |
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| Consumer and Business Banking | 4,326 | 4,326 | 0.0% |
| Payment Services | 3,483 | 3,387 | +2.8% |
| Wealth, Corporate, Commercial and Institutional Banking | 4,826 | 4,823 | +0.1% |
| Intangible Assets (Q) | — | — | — |
Show Finite Lived Intangible Assets By Major Class breakouts |
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| Core Deposits | 1,319 | 1,702 | -22.5% |
| Other Intangible Assets | 426 | 476 | -10.5% |
| Total Assets | 692,345 | 678,318 | +2.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 103,693 | 95,183 | +8.9% |
| Variable Interest Entity, Not Primary Beneficiary, Community Development and Tax-Advantaged investments | 9,712 | 8,107 | +19.8% |
| Variable Interest Entity, Not Primary Beneficiary, Private Investment Funds and Partnerships | 312 | 264 | +18.2% |
| Variable Interest Entity, Primary Beneficiary, Community Development and Tax-Advantaged Investments | 6.2 | 6.4 | -3.1% |
| Non-Current Liabilities | |||
| Long-Term Debt (Q) | — | — | — |
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| Parent Company | 37,057 | 35,257 | +5.1% |
| Parent Company · Medium Term Notes | 29,285 | 27,939 | +4.8% |
| Parent Company · Medium Term Notes | 588 | 519 | +13.3% |
| Parent Company · Other | 2,385 | 2,000 | +19.2% |
| Parent Company · Subordinated Debt One [Member] | 199 | 199 | 0.0% |
| Parent Company · Subordinated Debt Three [Member] | 1,000 | 1,000 | 0.0% |
| Parent Company · Subordinated Debt Two [Member] | 1,000 | 1,000 | 0.0% |
| Parent Company · Subordinated notes, 2.491%, Maturity 2036 | 1,300 | 1,300 | 0.0% |
| Parent Company · Subordinated notes, 4.967%, Maturity 2033 | 1,300 | 1,300 | 0.0% |
| Subsidiaries · Bank Notes [Member] | 3,097 | 3,405 | -9.0% |
| Subsidiaries · Bank Notes [Member] | 2,892 | 1,813 | +59.5% |
| Subsidiaries · Federal Home Loan Bank Advances | 11,550 | 12,550 | -8.0% |
| Subsidiaries · Federal Home Loan Bank Advances | 3,500 | 3,000 | +16.7% |
| Total Liabilities | 626,694 | 619,278 | +1.2% |
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| Variable Interest Entity, Not Primary Beneficiary, Community Development and Tax-Advantaged investments | 5,761 | 5,032 | +14.5% |
| Variable Interest Entity, Primary Beneficiary, Community Development and Tax-Advantaged Investments | 3.8 | 4.2 | -9.5% |
| Stockholders' Equity | |||
| Common Stock | 21 | 21 | 0.0% |
| Retained Earnings | 80,906 | 76,863 | +5.3% |
| Accumulated Other Comprehensive Income | -6,987 | -9,764 | +28.4% |
| Total Stockholders' Equity | 65,193 | 58,578 | +11.3% |
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| Parent Company | 65,193 | 58,578 | +11.3% |
| Total Liabilities & Equity | 692,345 | 678,318 | +2.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 103,693 | 95,183 | +8.9% |
Cash Flow Statement
| Metric | YTD Q4 2025 | YTD Q4 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Net Cash from Operations | 2,836 | 4,843 | -41.4% |
| Investing Activities | |||
| Purchases of Investments | -5,168 | -12,701 | +59.3% |
| Other Investing Activities | -1,007 | -541 | -86.1% |
| Net Cash from Investing | -16,850 | -12,875 | -30.9% |
| Financing Activities | |||
| Share Repurchases | -122 | -122 | 0.0% |
| Net Cash from Financing | -6,439 | -8,701 | +26.0% |
| Other Cash Flow | |||
| Net Change in Cash | -19,747 | -17,060 | -15.8% |
Values in millions USD. Source: SEC EDGAR 10-K filing.